Katahdin Trust Company is a state-chartered bank headquartered in Patten, Maine, in business for about 108 years. At the end of Q2 2026 it reported $1.2B in total assets and $965.9M in deposits, with 17 offices.
Based on its Q2 2026 filing, Katahdin Trust Company scores 66/100, which we describe as moderate. That is higher than only 40% of 897 banks with $1 billion – $10 billion. Among 22 banks headquartered in Maine, it ranks 15th. Its strongest component is problem-loan coverage (92/100; 3.8%), and its lowest is capital cushion (50/100; 10.00%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 4 points (70 → 66), mostly because the loan quality component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 73 |
| Q4 2024 | 69 |
| Q1 2025 | 69 |
| Q2 2025 | 70 |
| Q3 2025 | 65 |
| Q4 2025 | 66 |
| Q1 2026 | 67 |
| Q2 2026 | 66 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.96% |
| Q3 2024 | 11.02% |
| Q4 2024 | 9.58% |
| Q1 2025 | 9.61% |
| Q2 2025 | 9.75% |
| Q3 2025 | 9.94% |
| Q4 2025 | 9.85% |
| Q1 2026 | 10.15% |
| Q2 2026 | 10.00% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 0.19% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.16% |
| Q2 2025 | 0.16% |
| Q3 2025 | 0.71% |
| Q4 2025 | 0.70% |
| Q1 2026 | 0.52% |
| Q2 2026 | 0.48% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.87% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.86% |
| Q1 2025 | 0.91% |
| Q2 2025 | 0.94% |
| Q3 2025 | 0.96% |
| Q4 2025 | 1.01% |
| Q1 2026 | 0.92% |
| Q2 2026 | 0.90% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $1.2B | 10.00% | 0.48% | 0.90% | 95.4% |
| Q1 2026 | 67 | $1.1B | 10.15% | 0.52% | 0.92% | 91.8% |
| Q4 2025 | 66 | $1.1B | 9.85% | 0.70% | 1.01% | 89.3% |
| Q3 2025 | 65 | $1.1B | 9.94% | 0.71% | 0.96% | 89.8% |
| Q2 2025 | 70 | $1.1B | 9.75% | 0.16% | 0.94% | 89.7% |
| Q1 2025 | 69 | $1.1B | 9.61% | 0.16% | 0.91% | 90.8% |
| Q4 2024 | 69 | $1.1B | 9.58% | 0.17% | 0.86% | 87.6% |
| Q3 2024 | 73 | $1.0B | 11.02% | 0.19% | 0.90% | 91.4% |
| Q2 2024 | 72 | $1.0B | 10.96% | 0.19% | 0.87% | 93.7% |
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).
Similar-size banks in Maine
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Partners Bank of New EnglandBank Sanford, ME | 76 out of 100, Strong | $1.1B | 11.0% | 0.04% | vs |
| Saco & Biddeford Savings InstitutionBank Saco, ME | 61 out of 100, Moderate | $1.5B | 10.0% | 0.14% | vs |
| Bath Savings InstitutionBank Bath, ME | 82 out of 100, Strong | $1.5B | 15.8% | 0.05% | vs |
| Androscoggin Savings BankBank Lewiston, ME | 66 out of 100, Moderate | $1.8B | 10.8% | 0.48% | vs |
| Kennebec Savings BankBank Augusta, ME | 79 out of 100, Strong | $1.9B | 14.0% | 0.46% | vs |
| Norway Savings BankBank Norway, ME | 81 out of 100, Strong | $2.2B | 14.1% | 0.29% | vs |
Deposit insurance
Is my money safe at Katahdin Trust Company?
Yes. Katahdin Trust Company is an FDIC-insured institution (FDIC certificate #12874). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.1% of deposits ($88.1M) 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 10.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.79% (benchmark: 10%).
17 locations
Branches
Katahdin Trust Company lists 16 offices in 15 cities. Most locations:
- Bangor, ME (2)
- Ashland, ME (1)
- Caribou, ME (1)
- Eagle Lake, ME (1)
- Fort Fairfield, ME (1)
- Fort Kent, ME (1)
- Hampden, ME (1)
- Houlton, ME (1)
- Island Falls, ME (1)
- Mars Hill, ME (1)
- Oakfield, ME (1)
- Patten, ME (1)
HMDA 2025
Mortgage lending
In 2025, Katahdin Trust Company reported 210 home-loan applications under HMDA (LEI 549300PRPWWDL1RI5M21): 154 originated ($46,670,000 total), 34 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.6%, 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
- Katahdin Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 12874
- RSSD ID
- 327305
- Primary regulator
- FDIC
- Holding company
- Katahdin Bankshares Corp
- Established
- March 7, 1918
- Headquarters
- 11 Main St, Patten, ME 04765
- Website
- www.katahdintrust.com
- Employees
- 187
Quick answers
Katahdin Trust Company: common questions
Is Katahdin Trust Company FDIC insured?
Yes. Katahdin Trust Company is an FDIC-insured institution (FDIC certificate #12874). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Katahdin Trust Company'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 Katahdin Trust Company ever failed?
There is no failure record for FDIC certificate #12874 in the FDIC failed bank list.
How many branches does Katahdin Trust Company have?
17 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Patten
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eastmill Federal Credit UnionCredit union East Millinocke, ME | 87 out of 100, Very strong | $79.6M | 18.6% | 0.00% | vs |