Maine · Q2 2026
Cumberland County, Maine
49% of Cumberland County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.
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Banks behind this number
14 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Northeast Bank | Portland, ME | $5.2B | Above threshold | C2 | 81.7% |
| Bath Savings Institution | Bath, ME | $1.5B | Below | — | 75.8% |
| Maine Community Bank | Portland, ME | $3.0B | Above threshold | C2 | 68.6% |
| Norway Savings Bank | Norway, ME | $2.2B | Below | — | 66.4% |
| Androscoggin Savings Bank | Lewiston, ME | $1.8B | Below | — | 33.5% |
| Machias Savings Bank | Machias, ME | $2.7B | Below | — | 28.5% |
| Bangor Savings Bank | Bangor, ME | $7.7B | Below | — | 24.3% |
| Saco & Biddeford Savings Institution | Saco, ME | $1.5B | Below | — | 22.9% |
| The Camden National Bank | Camden, ME | $6.9B | Below | — | 13.7% |
| Kennebec Savings Bank | Augusta, ME | $1.9B | Below | — | 7.3% |
| Katahdin Trust Company | Patten, ME | $1.2B | Below | — | 4.4% |
| Skowhegan Savings Bank | Skowhegan, ME | $0.9B | Below | — | 2.6% |
| Bar Harbor Bank & Trust | Bar Harbor, ME | $4.7B | Concentrated | 300%+, growth test not met | 1.6% |
| NBT Bank, National Association | Norwich, NY | $16B | Below | — | 0.4% |
- Northeast BankAbove thresholdPortland, ME$5.2BC281.7% of bank deposits
- Bath, ME$1.5B—75.8% of bank deposits
- Maine Community BankAbove thresholdPortland, ME$3.0BC268.6% of bank deposits
- Norway Savings BankBelowNorway, ME$2.2B—66.4% of bank deposits
- Lewiston, ME$1.8B—33.5% of bank deposits
- Machias Savings BankBelowMachias, ME$2.7B—28.5% of bank deposits
- Bangor Savings BankBelowBangor, ME$7.7B—24.3% of bank deposits
- Saco, ME$1.5B—22.9% of bank deposits
- Camden, ME$6.9B—13.7% of bank deposits
- Augusta, ME$1.9B—7.3% of bank deposits
- Patten, ME$1.2B—4.4% of bank deposits
- Skowhegan, ME$0.9B—2.6% of bank deposits
- Bar Harbor Bank & TrustConcentratedBar Harbor, ME$4.7B300%+, growth test not met1.6% of bank deposits
- Norwich, NY$16B—0.4% of bank deposits
A bank can meet more than one condition at once, so the county counts above the table add up to more than the number of banks. Each row shows the strongest condition that bank meets.
What this means
2 of the 14 banks under $100B in assets with a branch in Cumberland County are above a regulatory CRE concentration threshold, and together they hold 49% of the county deposits this report covers. Another 1 carries commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 49%.
Coverage is 57%: the rest of the deposits in Cumberland County sit in banks above the $100B threshold, which this report does not evaluate. Concentration is exposure, not loss. A bank above a threshold is one the 2006 interagency guidance expects to hold more capital and document its underwriting, not one that has lost money. We tested whether counties in the top quartile of this score went on to deteriorate faster over the following eight quarters, and found no relationship. The backtest is published in full.
Concentration measures exposure, not loss. This is a map of exposure, not a forecast: our published backtest found no relationship between a county's score and subsequent deterioration.
Nothing on this page is investment advice.