TellerScore

Kennebunk Savings Bank (FDIC certificate #13063) is based in Kennebunk, Maine. Its Q2 2026 call report shows $2.2B in total assets and $1.7B in deposits and 17 offices across 2 states.

Kennebunk Savings Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than 53% of its 897 banks with $1 billion – $10 billion. Among 22 banks headquartered in Maine, it ranks 11th. Problem-loan coverage contributes the most (98/100, 0.9%); funding & liquidity contributes the least (49/100, 106% loans-to-deposits, 20% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.56%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.10%
Earnings55/100
Return on assets (annualized): 0.88%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 106.0% · 19.8% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.88%

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 (68 → 69).

TellerScore
676970Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202468
Q4 202469
Q1 202569
Q2 202568
Q3 202569
Q4 202570
Q1 202670
Q2 202669
Tier 1 leverage ratio
5.00%7.94%10.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.75%
Q3 202410.70%
Q4 202410.82%
Q1 202510.86%
Q2 202510.85%
Q3 202510.88%
Q4 202510.87%
Q1 202610.78%
Q2 202610.56%
Noncurrent loans
0.03%0.09%0.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.03%
Q4 20240.03%
Q1 20250.07%
Q2 20250.16%
Q3 20250.15%
Q4 20250.14%
Q1 20260.15%
Q2 20260.10%
Return on assets
0.37%0.62%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.37%
Q3 20240.46%
Q4 20240.52%
Q1 20250.57%
Q2 20250.62%
Q3 20250.70%
Q4 20250.75%
Q1 20260.88%
Q2 20260.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$2.2B10.56%0.10%0.88%106.0%
Q1 202670$2.1B10.78%0.15%0.88%102.3%
Q4 202570$2.0B10.87%0.14%0.75%100.2%
Q3 202569$2.0B10.88%0.15%0.70%93.6%
Q2 202568$1.9B10.85%0.16%0.62%93.9%
Q1 202569$1.9B10.86%0.07%0.57%94.0%
Q4 202469$1.9B10.82%0.03%0.52%91.4%
Q3 202468$1.9B10.70%0.03%0.46%88.5%
Q2 202467$1.8B10.75%0.05%0.37%90.5%

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 ratio10.56%
51st
Total risk-based capital0.00%
13th
Problem loans0.10%
87th
Net charge-offs0.01%
70th
Return on assets0.88%
22nd
Net interest margin3.64%
46th
Efficiency ratio68.6%
23rd
Loans to deposits106.0%
7th
Uninsured deposits19.8%
83rd
Loan-loss reserves1.10%
43rd
Texas ratio0.9%
84th

Similar-size banks in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Norway Savings BankBank Norway, ME81 out of 100, Strong$2.2B14.1%0.29%vs
Kennebec Savings BankBank Augusta, ME79 out of 100, Strong$1.9B14.0%0.46%vs
Androscoggin Savings BankBank Lewiston, ME66 out of 100, Moderate$1.8B10.8%0.48%vs
Machias Savings BankBank Machias, ME73 out of 100, Strong$2.7B12.1%0.40%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

Deposit insurance

Is my money safe at Kennebunk Savings Bank?

Yes. Kennebunk Savings Bank is an FDIC-insured institution (FDIC certificate #13063). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.8% of deposits ($331.6M) 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 10.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

17 locations

Branches

Kennebunk Savings Bank lists 17 offices in 13 cities across 2 states. Most locations:

  • Kennebunk, ME (3)
  • Portsmouth, NH (2)
  • York, ME (2)
  • Berwick, ME (1)
  • Dover, NH (1)
  • Eliot, ME (1)
  • Hampton, NH (1)
  • Kittery, ME (1)
  • North Berwick, ME (1)
  • Ogunquit, ME (1)
  • Sanford, ME (1)
  • Stratham, NH (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Kennebunk Savings Bank reported 566 home-loan applications under HMDA (LEI 5493003V0VOGJ2CI8520): 353 originated ($150,485,000 total), 135 denied, and 68 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.1%, 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
Kennebunk Savings Bank
Type
SI
FDIC certificate #
13063
RSSD ID
247908
Primary regulator
FDIC
Holding company
Kennebunk Savings Bcorp Mhc
Established
May 1, 1871
Headquarters
104 Main St, Kennebunk, ME 04043
Employees
311

Quick answers

Kennebunk Savings Bank: common questions

Is Kennebunk Savings Bank FDIC insured?

Yes. Kennebunk Savings Bank is an FDIC-insured institution (FDIC certificate #13063). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Kennebunk Savings Bank's TellerScore?

69 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 Kennebunk Savings Bank ever failed?

There is no failure record for FDIC certificate #13063 in the FDIC failed bank list.

How many branches does Kennebunk Savings Bank have?

17 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Kennebunk

InstitutionScoreAssetsCapitalProblem loansCompare
Coast Line Credit UnionCredit union South Portland, ME94 out of 100, Very strong$89.2M19.1%0.22%vs
Skowhegan Savings BankBank Skowhegan, ME88 out of 100, Very strong$855.0M15.8%0.42%vs
Bath Savings InstitutionBank Bath, ME82 out of 100, Strong$1.5B15.8%0.05%vs
Norway Savings BankBank Norway, ME81 out of 100, Strong$2.2B14.1%0.29%vs
Kennebec Savings BankBank Augusta, ME79 out of 100, Strong$1.9B14.0%0.46%vs
Northeast BankBank Portland, ME78 out of 100, Strong$5.2B11.9%0.55%vs