TellerScore

Androscoggin Savings Bank is a si headquartered in Lewiston, Maine, in business for about 156 years. At the end of Q2 2026 it reported $1.8B in total assets and $1.4B in deposits, with 10 offices.

Androscoggin Savings Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 897 banks with $1 billion – $10 billion. Among 22 banks headquartered in Maine, it ranks 14th. Problem-loan coverage contributes the most (93/100, 3.4%); earnings contributes the least (47/100, 0.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.76%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.48%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 102.2% · 14.1% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.44%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 66).

TellerScore
606366Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202460
Q4 202463
Q1 202562
Q2 202566
Q3 202565
Q4 202565
Q1 202663
Q2 202666
Tier 1 leverage ratio
5.00%7.89%10.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.47%
Q3 20249.52%
Q4 20249.58%
Q1 20259.65%
Q2 202510.50%
Q3 202510.62%
Q4 202510.33%
Q1 202610.77%
Q2 202610.76%
Noncurrent loans
0.17%0.39%0.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.36%
Q3 20240.41%
Q4 20240.19%
Q1 20250.19%
Q2 20250.17%
Q3 20250.31%
Q4 20250.33%
Q1 20260.62%
Q2 20260.48%
Return on assets
0.36%0.52%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.44%
Q3 20240.43%
Q4 20240.42%
Q1 20250.36%
Q2 20250.46%
Q3 20250.50%
Q4 20250.55%
Q1 20260.55%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$1.8B10.76%0.48%0.67%102.2%
Q1 202663$1.8B10.77%0.62%0.55%103.3%
Q4 202565$1.8B10.33%0.33%0.55%101.3%
Q3 202565$1.8B10.62%0.31%0.50%106.4%
Q2 202566$1.8B10.50%0.17%0.46%105.1%
Q1 202562$1.7B9.65%0.19%0.36%104.8%
Q4 202463$1.7B9.58%0.19%0.42%103.4%
Q3 202460$1.7B9.52%0.41%0.43%103.6%
Q2 202461$1.6B9.47%0.36%0.44%101.4%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.76%
56th
Total risk-based capital14.19%
56th
Problem loans0.48%
53rd
Net charge-offs-0.00%
88th
Return on assets0.67%
14th
Net interest margin3.06%
17th
Efficiency ratio73.9%
15th
Loans to deposits102.2%
10th
Uninsured deposits14.1%
92nd
Loan-loss reserves0.99%
29th
Texas ratio3.4%
52nd

Similar-size banks in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Kennebec Savings BankBank Augusta, ME79 out of 100, Strong$1.9B14.0%0.46%vs
Bath Savings InstitutionBank Bath, ME82 out of 100, Strong$1.5B15.8%0.05%vs
Saco & Biddeford Savings InstitutionBank Saco, ME61 out of 100, Moderate$1.5B10.0%0.14%vs
Norway Savings BankBank Norway, ME81 out of 100, Strong$2.2B14.1%0.29%vs
Kennebunk Savings BankBank Kennebunk, ME69 out of 100, Moderate$2.2B10.6%0.10%vs
Katahdin Trust CompanyBank Patten, ME66 out of 100, Moderate$1.2B10.0%0.48%vs

Deposit insurance

Is my money safe at Androscoggin Savings Bank?

Yes. Androscoggin Savings Bank is an FDIC-insured institution (FDIC certificate #17751). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.1% of deposits ($201.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.19% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Androscoggin Savings Bank lists 9 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Androscoggin Savings Bank reported 454 home-loan applications under HMDA (LEI 549300DDRY04AJC3ZZ52): 378 originated ($184,460,000 total), 9 denied, and 62 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Androscoggin Savings Bank
Former names
Androscoggin County SAvings Bank
Type
SI
FDIC certificate #
17751
RSSD ID
132107
Primary regulator
FDIC
Holding company
Androscoggin Bcorp Mhc
Established
January 1, 1870
Headquarters
505 Sabattus St, Lewiston, ME 04240
Employees
196

Quick answers

Androscoggin Savings Bank: common questions

Is Androscoggin Savings Bank FDIC insured?

Yes. Androscoggin Savings Bank is an FDIC-insured institution (FDIC certificate #17751). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Androscoggin Savings Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Androscoggin Savings Bank ever failed?

There is no failure record for FDIC certificate #17751 in the FDIC failed bank list.

How many branches does Androscoggin Savings Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lewiston

InstitutionScoreAssetsCapitalProblem loansCompare
Gardiner Federal Credit UnionCredit union Gardiner, ME96 out of 100, Very strong$100.7M15.9%0.12%vs
Skowhegan Savings BankBank Skowhegan, ME88 out of 100, Very strong$855.0M15.8%0.42%vs
Eastmill Federal Credit UnionCredit union East Millinocke, ME87 out of 100, Very strong$79.6M18.6%0.00%vs
Bath Savings InstitutionBank Bath, ME82 out of 100, Strong$1.5B15.8%0.05%vs
Central Maine Federal Credit UnionCredit union Lewiston, ME81 out of 100, Strong$145.5M14.7%0.66%vs
Norway Savings BankBank Norway, ME81 out of 100, Strong$2.2B14.1%0.29%vs