TellerScore

Partners Bank of New England is a si headquartered in Sanford, Maine, in business for about 93 years. At the end of Q2 2026 it reported $1.1B in total assets and $847.0M in deposits, with 11 offices across 2 states.

Partners Bank of New England has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 897 banks with $1 billion – $10 billion. Among 22 banks headquartered in Maine, it ranks 6th. Loan quality contributes the most (99/100, 0.04%); funding & liquidity contributes the least (56/100, 105% loans-to-deposits, 11% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 10.99%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings77/100
Return on assets (annualized): 1.41%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 104.5% · 11.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.30%

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 12 points (64 → 76), mostly because the earnings component improved by 28 points.

TellerScore
606876Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202460
Q4 202461
Q1 202563
Q2 202564
Q3 202567
Q4 202569
Q1 202671
Q2 202676
Tier 1 leverage ratio
5.00%8.00%10.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.42%
Q3 20249.57%
Q4 20249.72%
Q1 20259.76%
Q2 20259.90%
Q3 202510.24%
Q4 202510.60%
Q1 202610.66%
Q2 202610.99%
Noncurrent loans
0.04%0.17%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.27%
Q3 20240.27%
Q4 20240.29%
Q1 20250.29%
Q2 20250.29%
Q3 20250.17%
Q4 20250.20%
Q1 20260.09%
Q2 20260.04%
Return on assets
0.30%0.86%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.37%
Q3 20240.32%
Q4 20240.30%
Q1 20250.55%
Q2 20250.71%
Q3 20250.83%
Q4 20250.87%
Q1 20260.94%
Q2 20261.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$1.1B10.99%0.04%1.41%104.5%
Q1 202671$1.1B10.66%0.09%0.94%107.4%
Q4 202569$1.1B10.60%0.20%0.87%105.1%
Q3 202567$1.1B10.24%0.17%0.83%110.9%
Q2 202564$1.1B9.90%0.29%0.71%106.8%
Q1 202563$1.1B9.76%0.29%0.55%108.4%
Q4 202461$1.0B9.72%0.29%0.30%104.4%
Q3 202460$1.1B9.57%0.27%0.32%107.8%
Q2 202460$1.1B9.42%0.27%0.37%112.3%

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 ratio10.99%
60th
Total risk-based capital15.80%
75th
Problem loans0.04%
92nd
Net charge-offs0.00%
77th
Return on assets1.41%
64th
Net interest margin3.42%
32nd
Efficiency ratio75.2%
12th
Loans to deposits104.5%
8th
Uninsured deposits11.3%
95th
Loan-loss reserves0.99%
30th
Texas ratio0.3%
92nd

Similar-size banks in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Katahdin Trust CompanyBank Patten, ME66 out of 100, Moderate$1.2B10.0%0.48%vs
Saco & Biddeford Savings InstitutionBank Saco, ME61 out of 100, Moderate$1.5B10.0%0.14%vs
Bath Savings InstitutionBank Bath, ME82 out of 100, Strong$1.5B15.8%0.05%vs
Androscoggin Savings BankBank Lewiston, ME66 out of 100, Moderate$1.8B10.8%0.48%vs
Kennebec Savings BankBank Augusta, ME79 out of 100, Strong$1.9B14.0%0.46%vs
Norway Savings BankBank Norway, ME81 out of 100, Strong$2.2B14.1%0.29%vs

Deposit insurance

Is my money safe at Partners Bank of New England?

Yes. Partners Bank of New England is an FDIC-insured institution (FDIC certificate #17115). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.3% of deposits ($95.6M) 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 10.99%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.80% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Partners Bank of New England lists 11 offices in 10 cities across 2 states. Most locations:

  • Sanford, ME (2)
  • Buxton, ME (1)
  • East Waterboro, ME (1)
  • Kingston, NH (1)
  • Limerick, ME (1)
  • Portsmouth, NH (1)
  • Rye, NH (1)
  • Springvale, ME (1)
  • Wells, ME (1)
  • York, ME (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Partners Bank of New England reported 419 home-loan applications under HMDA (LEI 549300DK2AEMKCO4JZ92): 344 originated ($97,770,000 total), 33 denied, and 40 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.7%, 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
Partners Bank of New England
Former names
Sanford Institution for Savings; Partners Bank
Type
SI
FDIC certificate #
17115
RSSD ID
111205
Primary regulator
FDIC
Holding company
Sis Bcorp Mhc
Established
November 1, 1933
Headquarters
900 Main St, Sanford, ME 04073
Employees
142

Quick answers

Partners Bank of New England: common questions

Is Partners Bank of New England FDIC insured?

Yes. Partners Bank of New England is an FDIC-insured institution (FDIC certificate #17115). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Partners Bank of New England's TellerScore?

76 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 Partners Bank of New England ever failed?

There is no failure record for FDIC certificate #17115 in the FDIC failed bank list.

How many branches does Partners Bank of New England have?

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

Nearby

Highest-scoring banks and credit unions with branches near Sanford

InstitutionScoreAssetsCapitalProblem loansCompare
Norway Savings BankBank Norway, ME81 out of 100, Strong$2.2B14.1%0.29%vs
Trugrocer Federal Credit UnionCredit union Boise, ID73 out of 100, Strong$320.1M16.0%0.81%vs
Bank of New HampshireBank Laconia, NH72 out of 100, Strong$2.8B12.1%0.63%vs
Saco Valley Credit UnionCredit union Saco, ME71 out of 100, Strong$195.5M10.9%0.36%vs
Granite State Credit UnionCredit union Manchester, NH70 out of 100, Strong$749.5M9.9%0.49%vs
Kennebunk Savings BankBank Kennebunk, ME69 out of 100, Moderate$2.2B10.6%0.10%vs