TellerScore

Norway Savings Bank is a si headquartered in Norway, Maine, in business for about 160 years. At the end of Q2 2026 it reported $2.2B in total assets and $1.6B in deposits, with 25 offices across 2 states.

Norway Savings Bank has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 91% of its 897 banks with $1 billion – $10 billion. Among 22 banks headquartered in Maine, it ranks 3rd. Problem-loan coverage contributes the most (97/100, 1.7%); funding & liquidity contributes the least (51/100, 103% loans-to-deposits, 21% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion91/100
Tier 1 leverage ratio: 14.07%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.29%
Earnings71/100
Return on assets (annualized): 1.28%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 103.1% · 20.5% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.70%

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 7 points (74 → 81), mostly because the earnings component improved by 17 points.

TellerScore
697581Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202475
Q4 202474
Q1 202569
Q2 202574
Q3 202577
Q4 202576
Q1 202679
Q2 202681
Tier 1 leverage ratio
5.00%9.53%14.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.30%
Q3 202413.36%
Q4 202413.27%
Q1 202513.19%
Q2 202513.34%
Q3 202513.52%
Q4 202513.75%
Q1 202613.89%
Q2 202614.07%
Noncurrent loans
0.24%0.52%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.79%
Q3 20240.67%
Q4 20240.68%
Q1 20250.73%
Q2 20250.69%
Q3 20250.53%
Q4 20250.67%
Q1 20260.24%
Q2 20260.29%
Return on assets
0.34%0.81%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.96%
Q4 20240.90%
Q1 20250.34%
Q2 20250.86%
Q3 20251.08%
Q4 20251.00%
Q1 20260.87%
Q2 20261.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$2.2B14.07%0.29%1.28%103.1%
Q1 202679$2.1B13.89%0.24%0.87%96.0%
Q4 202576$2.1B13.75%0.67%1.00%96.3%
Q3 202577$2.1B13.52%0.53%1.08%92.6%
Q2 202574$2.1B13.34%0.69%0.86%91.9%
Q1 202569$2.0B13.19%0.73%0.34%90.6%
Q4 202474$2.0B13.27%0.68%0.90%92.9%
Q3 202475$2.0B13.36%0.67%0.96%89.0%
Q2 202473$1.9B13.30%0.79%0.78%89.9%

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 ratio14.07%
90th
Total risk-based capital0.00%
13th
Problem loans0.29%
68th
Net charge-offs0.05%
43rd
Return on assets1.28%
52nd
Net interest margin3.72%
51st
Efficiency ratio67.4%
27th
Loans to deposits103.1%
9th
Uninsured deposits20.5%
82nd
Loan-loss reserves0.71%
10th
Texas ratio1.7%
74th

Similar-size banks in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Kennebunk Savings BankBank Kennebunk, ME69 out of 100, Moderate$2.2B10.6%0.10%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 Norway Savings Bank?

Yes. Norway Savings Bank is an FDIC-insured institution (FDIC certificate #17658). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.5% of deposits ($323.1M) 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 14.07%, 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

25 locations

Branches

Norway Savings Bank lists 25 offices in 22 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Norway Savings Bank reported 901 home-loan applications under HMDA (LEI 549300S32ZDD67D2FB46): 640 originated ($197,910,000 total), 149 denied, and 109 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.8%, 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
Norway Savings Bank
Type
SI
FDIC certificate #
17658
RSSD ID
289702
Primary regulator
FDIC
Holding company
Norway Bcorp Mhc
Established
January 1, 1866
Headquarters
261 Main St, Norway, ME 04268
Employees
335

Quick answers

Norway Savings Bank: common questions

Is Norway Savings Bank FDIC insured?

Yes. Norway Savings Bank is an FDIC-insured institution (FDIC certificate #17658). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Norway Savings Bank's TellerScore?

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

Has Norway Savings Bank ever failed?

There is no failure record for FDIC certificate #17658 in the FDIC failed bank list.

How many branches does Norway Savings Bank have?

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

Nearby

Highest-scoring banks and credit unions with branches near Norway

InstitutionScoreAssetsCapitalProblem loansCompare
Oxford Federal Credit UnionCredit union Mexico, ME91 out of 100, Very strong$370.2M16.2%0.48%vs
Eastmill Federal Credit UnionCredit union East Millinocke, ME87 out of 100, Very strong$79.6M18.6%0.00%vs
Central Maine Federal Credit UnionCredit union Lewiston, ME81 out of 100, Strong$145.5M14.7%0.66%vs
Northeast BankBank Portland, ME78 out of 100, Strong$5.2B11.9%0.55%vs
Great Falls Regional Federal Credit UnionCredit union Lewiston, ME78 out of 100, Strong$66.0M13.3%0.46%vs
Lisbon Community Federal Credit UnionCredit union Lisbon, ME78 out of 100, Strong$209.7M11.5%0.23%vs