🏦Bank Scorer

MAINE COMMUNITY BANK

PORTLAND, ME · Supervised by FDIC

Est. 1867FDIC #17,741RSSD: FDIC-17741
Part ofMAINE COMMUNITY BCORP MHC→ View all charters
Satisfactory Same

Current rating · Exam: October 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.98%

Institution Profile

FDIC BankFind

Address

1 India St, PORTLAND, ME

County

Cumberland County

Established

July 27, 1867

Total Assets

$2.9B(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

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2022

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.9B

Total Deposits

$2.3B

Net Loans

$2.4B

Net Income

$7M

ROA

0.98%

ROE

10.48%

Risk-Based Capital

0.00%

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 Rate8.55%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

23

Branch Deposits

$2.3B

1-Year Change

+13

5-year net change: +13 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202426970.26%8.55%
202342073.81%13.57%
202226975.09%6.69%
202161974.15%9.69%
202077268.91%13.60%
201932373.68%10.53%

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

9 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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