🏦Bank Scorer

BANGOR SAVINGS BANK

BANGOR, ME · Supervised by FDIC

Est. 1852FDIC #18,408RSSD: FDIC-18408
Part ofBANGOR BCORP MHC→ View all charters
Outstanding Same

Current rating · Exam: October 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.25%

Institution Profile

FDIC BankFind

Address

24 Hamlin Way, BANGOR, ME

County

Penobscot County

Established

February 14, 1852

Total Assets

$7.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

October 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$7.4B

Total Deposits

$5.7B

Net Loans

$5.1B

Net Income

$5M

ROA

0.25%

ROE

3.53%

Risk-Based Capital

11.35%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate18.68%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

72

Branch Deposits

$5.9B

1-Year Change

+1

5-year net change: +13 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244,95169.2%18.68%
20234,33668.15%18.91%
20226,84572.52%16.64%
20219,21676.56%13.19%
202010,22876.6%12.93%
20196,17076.06%14.76%
20185,45272.78%18.43%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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