Saco & Biddeford Savings Institution
Saco, ME·RSSD 339607·FDIC 17743·bank:339607·CBLR opted in
- #13 of 22Total assets in Maine
- 7offices
- 191employees
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
No material changes against peers this quarter
0 of 26 FORFI signals stand out against 629 similar banks, based on FDIC data for the quarter.
Where Saco & Biddeford Savings Institution differs most from peers
Efficiency ratio among the highest of similar banksContext: Efficiency90.3%peers 60.3%+30.0 pp
Saco & Biddeford Savings Institution's efficiency ratio was 90.3%, compared with a median of 60.3% among 626 similar banks: higher than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 90.3% | 60.3% | +30.0 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Saco & Biddeford Savings Institution itself is left out of every peer median and percentile. How signals work
Loan-to-deposit ratio among the highest of similar banksContext: Liquidity119.2%peers 87.2%+32.1 pp
Saco & Biddeford Savings Institution's loans as a share of deposits was 119.2%, compared with a median of 87.2% among 625 similar banks: higher than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Loans as a share of deposits | ||
| 119.2% | 87.2% | +32.1 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Saco & Biddeford Savings Institution itself is left out of every peer median and percentile. How signals work
Net interest margin among the lowest of similar banksContext: Earnings2.41%peers 3.82%-141 bps
Saco & Biddeford Savings Institution's net interest margin was 2.41%, compared with a median of 3.82% among 628 similar banks: lower than 97% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 2.41% | 3.82% | -141 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Saco & Biddeford Savings Institution itself is left out of every peer median and percentile. How signals work
Key facts
- Saco & Biddeford Savings Institution is a bank headquartered in Saco, Maine. It reported $1.5 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $1.0 billion, down 1.3% from a year earlier, and loans totaled $1.2 billion, up 3.8%.
- Its net interest margin was 2.41% and its annualized return on assets was 0.32% for the quarter.
- Its cost of all deposits was 2.43%, compared with a median of 1.93% among 625 similar banks with $1 billion to $3 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Saco & Biddeford Savings Institution's own data, FORFI would look at: Where revenue per relationship falls short of the cost to serve it.
Analysis workspaces
Sources and identifiers
- Institution
- Saco & Biddeford Savings Institution · Bank
- Federal Reserve RSSD
- 339607
- FDIC certificate
- 17743
- Reporting period
- Peer group
- 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Saco & Biddeford Savings Institution itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $1.17M | — | |
| $17.66M | — | |
| $9.32M | — | |
| $8.35M | — | |
| $2.2M | — | |
| $9.52M | — | |
| $10K | — | |
| $30K | — | |
| 0.32% | 0.32%ROAQ · Quarter | |
| 2.41% | 2.40%NIMYQ · Quarter | |
| 90.29% | 90.29%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.