TellerScore

Maine Community Bank is a si headquartered in Portland, Maine, in business for about 159 years. At the end of Q2 2026 it reported $3.0B in total assets and $2.3B in deposits, with 23 offices.

Based on its Q2 2026 filing, Maine Community Bank scores 67/100, which we describe as moderate. That is higher than only 44% of 897 banks with $1 billion – $10 billion. Among 22 banks headquartered in Maine, it ranks 13th. Its strongest component is problem-loan coverage (91/100; 4.7%), and its lowest is capital cushion (51/100; 10.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.11%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.46%
Earnings67/100
Return on assets (annualized): 1.17%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 106.9% · 15.6% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.67%

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 rose 5 points (62 → 67), mostly because the earnings component improved by 15 points.

TellerScore
626772Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202472
Q4 202471
Q1 202562
Q2 202562
Q3 202562
Q4 202562
Q1 202665
Q2 202667
Tier 1 leverage ratio
5.00%9.21%13.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.42%
Q3 202413.24%
Q4 202413.27%
Q1 20259.62%
Q2 20259.84%
Q3 20259.80%
Q4 20259.88%
Q1 20269.96%
Q2 202610.11%
Noncurrent loans
0.28%0.51%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.74%
Q3 20240.28%
Q4 20240.35%
Q1 20250.44%
Q2 20250.62%
Q3 20250.59%
Q4 20250.57%
Q1 20260.45%
Q2 20260.46%
Return on assets
0.58%0.87%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.58%
Q3 20240.62%
Q4 20240.65%
Q1 20250.64%
Q2 20250.81%
Q3 20250.68%
Q4 20250.70%
Q1 20260.98%
Q2 20261.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$3.0B10.11%0.46%1.17%106.9%
Q1 202665$2.9B9.96%0.45%0.98%104.8%
Q4 202562$2.9B9.88%0.57%0.70%103.2%
Q3 202562$2.8B9.80%0.59%0.68%99.0%
Q2 202562$2.8B9.84%0.62%0.81%100.4%
Q1 202562$2.7B9.62%0.44%0.64%97.2%
Q4 202471$1.2B13.27%0.35%0.65%109.8%
Q3 202472$1.2B13.24%0.28%0.62%107.7%
Q2 202467$1.2B13.42%0.74%0.58%111.1%

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 ratio10.11%
40th
Total risk-based capital0.00%
13th
Problem loans0.46%
54th
Net charge-offs0.18%
22nd
Return on assets1.17%
43rd
Net interest margin3.63%
45th
Efficiency ratio62.6%
38th
Loans to deposits106.9%
6th
Uninsured deposits15.6%
90th
Loan-loss reserves0.64%
8th
Texas ratio4.7%
41st

Similar-size banks in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
First National BankBank Damariscotta, ME64 out of 100, Moderate$3.2B9.2%0.75%vs
Machias Savings BankBank Machias, ME73 out of 100, Strong$2.7B12.1%0.40%vs
Kennebunk Savings BankBank Kennebunk, ME69 out of 100, Moderate$2.2B10.6%0.10%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
Androscoggin Savings BankBank Lewiston, ME66 out of 100, Moderate$1.8B10.8%0.48%vs

Deposit insurance

Is my money safe at Maine Community Bank?

Yes. Maine Community Bank is an FDIC-insured institution (FDIC certificate #17741). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.6% of deposits ($359.3M) 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 10.11%, 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

23 locations

Branches

Maine Community Bank lists 22 offices in 16 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Maine Community Bank reported 796 home-loan applications under HMDA (LEI 549300HK8HC6F50IC896): 595 originated ($196,785,000 total), 115 denied, and 81 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.1%, 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
Maine Community Bank
Former names
Biddeford Savings Bank
Type
SI
FDIC certificate #
17741
RSSD ID
499501
Primary regulator
FDIC
Holding company
Maine Community Bcorp Mhc
Established
July 27, 1867
Headquarters
1 India St, Portland, ME 04101
Employees
366

Quick answers

Maine Community Bank: common questions

Is Maine Community Bank FDIC insured?

Yes. Maine Community Bank is an FDIC-insured institution (FDIC certificate #17741). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Maine Community Bank's TellerScore?

67 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 Maine Community Bank ever failed?

There is no failure record for FDIC certificate #17741 in the FDIC failed bank list.

How many branches does Maine Community Bank have?

23 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Portland

InstitutionScoreAssetsCapitalProblem loansCompare
Gardiner Federal Credit UnionCredit union Gardiner, ME96 out of 100, Very strong$100.7M15.9%0.12%vs
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
Eastmill Federal Credit UnionCredit union East Millinocke, ME87 out of 100, Very strong$79.6M18.6%0.00%vs
Capital Area Federal Credit UnionCredit union Augusta, ME86 out of 100, Very strong$71.4M17.6%0.59%vs
Bath Savings InstitutionBank Bath, ME82 out of 100, Strong$1.5B15.8%0.05%vs