TellerScore

Headquartered in Skowhegan, Maine, Skowhegan Savings Bank is a si with $855.0M in total assets and $715.3M in deposits as of Q2 2026. It operates 13 offices. Its charter dates back to 1869.

Based on its Q2 2026 filing, Skowhegan Savings Bank scores 88/100, which we describe as very strong. That is higher than 92% of 2,650 banks with $100 million – $1 billion. Among 22 banks headquartered in Maine, it ranks 1st. Its strongest component is capital cushion (100/100; 15.81%), and its lowest is funding & liquidity (66/100; 85% loans-to-deposits, 22% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.81%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.42%
Earnings83/100
Return on assets (annualized): 1.58%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 85.4% · 22.5% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.99%

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 6 points (82 → 88), mostly because the earnings component improved by 24 points.

TellerScore
778388Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202479
Q4 202479
Q1 202580
Q2 202582
Q3 202584
Q4 202584
Q1 202683
Q2 202688
Tier 1 leverage ratio
5.00%10.41%15.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.09%
Q3 202413.37%
Q4 202413.78%
Q1 202514.20%
Q2 202514.47%
Q3 202514.83%
Q4 202515.08%
Q1 202615.38%
Q2 202615.81%
Noncurrent loans
0.27%0.35%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.27%
Q3 20240.28%
Q4 20240.29%
Q1 20250.29%
Q2 20250.31%
Q3 20250.37%
Q4 20250.43%
Q1 20260.39%
Q2 20260.42%
Return on assets
0.76%1.17%1.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.86%
Q3 20240.89%
Q4 20240.86%
Q1 20250.76%
Q2 20250.98%
Q3 20251.11%
Q4 20251.07%
Q1 20260.93%
Q2 20261.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$855.0M15.81%0.42%1.58%85.4%
Q1 202683$843.5M15.38%0.39%0.93%85.7%
Q4 202584$841.6M15.08%0.43%1.07%85.6%
Q3 202584$842.1M14.83%0.37%1.11%84.5%
Q2 202582$843.1M14.47%0.31%0.98%86.5%
Q1 202580$842.8M14.20%0.29%0.76%84.9%
Q4 202479$841.4M13.78%0.29%0.86%83.3%
Q3 202479$870.7M13.37%0.28%0.89%83.1%
Q2 202477$880.9M13.09%0.27%0.86%83.2%

2,650 peers · $100 million – $1 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 ratio15.81%
90th
Total risk-based capital23.56%
92nd
Problem loans0.42%
50th
Net charge-offs-0.02%
91st
Return on assets1.58%
70th
Net interest margin3.93%
50th
Efficiency ratio73.9%
22nd
Loans to deposits85.4%
37th
Uninsured deposits22.5%
55th
Loan-loss reserves1.00%
26th
Texas ratio2.0%
58th

Similar-size banks in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Franklin Savings BankBank Farmington, ME72 out of 100, Strong$786.9M18.8%1.36%vs
Aroostook County Federal Savings and Loan AssociationBank Caribou, ME68 out of 100, Moderate$214.0M10.4%0.39%vs
First Federal Savings and Loan Association of BathBank Bath, ME54 out of 100, Below average$189.1M14.8%2.89%vs
Auburn Savings Bank, FSBBank Auburn, ME56 out of 100, Moderate$103.2M8.0%0.02%vs
Bar Harbor Savings and Loan AssociationBank Bar Harbor, ME48 out of 100, Below average$103.2M11.5%2.13%vs

Deposit insurance

Is my money safe at Skowhegan Savings Bank?

Yes. Skowhegan Savings Bank is an FDIC-insured institution (FDIC certificate #19532). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.5% of deposits ($160.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.81%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 23.56% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

Skowhegan Savings Bank lists 12 offices in 12 cities. Most locations:

  • Augusta, ME (1)
  • Bingham, ME (1)
  • Dexter, ME (1)
  • Fairfield, ME (1)
  • Farmington, ME (1)
  • Jackman, ME (1)
  • Kingfield, ME (1)
  • Madison, ME (1)
  • Norridgewock, ME (1)
  • Portland, ME (1)
  • Rangeley, ME (1)
  • Skowhegan, ME (1)

All branch addresses and map

Identity & history

Profile

Legal name
Skowhegan Savings Bank
Type
SI
FDIC certificate #
19532
RSSD ID
401906
Primary regulator
FDIC
Established
October 2, 1869
Headquarters
13 Elm St, Skowhegan, ME 04976
Employees
121

Quick answers

Skowhegan Savings Bank: common questions

Is Skowhegan Savings Bank FDIC insured?

Yes. Skowhegan Savings Bank is an FDIC-insured institution (FDIC certificate #19532). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Skowhegan Savings Bank's TellerScore?

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

Has Skowhegan Savings Bank ever failed?

There is no failure record for FDIC certificate #19532 in the FDIC failed bank list.

How many branches does Skowhegan Savings Bank have?

13 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Skowhegan

InstitutionScoreAssetsCapitalProblem loansCompare
Ksw Federal Credit UnionCredit union Waterville, ME85 out of 100, Very strong$122.2M14.6%1.02%vs
Sebasticook Valley Federal Credit UnionCredit union Pittsfield, ME84 out of 100, Strong$186.2M15.4%0.92%vs
K V Federal Credit UnionCredit union Augusta, ME84 out of 100, Strong$139.6M12.4%0.13%vs
Franklin-Somerset Federal Credit UnionCredit union Madison, ME81 out of 100, Strong$149.3M12.9%0.75%vs
Kennebec Savings BankBank Augusta, ME79 out of 100, Strong$1.9B14.0%0.46%vs
Bar Harbor Bank & TrustBank Bar Harbor, ME73 out of 100, Strong$4.7B10.5%0.32%vs