Maine · Q2 2026

Somerset County, Maine

BCredit pressureB on a scale where E is the highest pressure and A the lowest

0.0% of Somerset County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.

Rank

Outside the top 15

Full ranking is part of Desk

Exposed deposits vs Q1 2026

— no change

Coverage

Coverage 100% — full

Credit pressureAEleast exposed to most exposedNot rated, coverage under 25%Rated on low coverage

Hover or tap a county for its grade.

Banks behind this number

5 banks under $100B in assets with a branch here

Bank	Headquarters	Assets	Status	Criterion	Share of bank deposits here
Skowhegan Savings Bank	Skowhegan, ME	$0.9B	Below	—	49.1%
Franklin Savings Bank	Farmington, ME	$0.8B	Below	—	7.2%
Bangor Savings Bank	Bangor, ME	$7.7B	Below	—	5.1%
The Camden National Bank	Camden, ME	$6.9B	Below	—	1.0%
Bar Harbor Bank & Trust	Bar Harbor, ME	$4.7B	Concentrated	300%+, growth test not met	1.0%

Skowhegan Savings BankBelow
Skowhegan, ME$0.9B—49.1% of bank deposits
Franklin Savings BankBelow
Farmington, ME$0.8B—7.2% of bank deposits
Bangor Savings BankBelow
Bangor, ME$7.7B—5.1% of bank deposits
The Camden National BankBelow
Camden, ME$6.9B—1.0% of bank deposits
Bar Harbor Bank & TrustConcentrated
Bar Harbor, ME$4.7B300%+, growth test not met1.0% 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

None of the 5 banks under $100B in assets with a branch in Somerset County are above a regulatory CRE concentration threshold this quarter. Another 1 carries commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 3.7%.

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.

Calculation v1 · Call report Q2 2026 · Summary of Deposits 2025 · Universe: banks under $100B in assets · Methodology

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.