Kennebec Savings Bank
Augusta, ME
IDRSSD: 583905
Total Assets
$1.80B
Latest filing
Total Deposits
$1.37B
Latest filing
Net Interest Margin
2.97%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Kennebec Savings Bank
150 State St
Augusta, ME 04330
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/19/1870FDIC Certificate 11836
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Kennebec Savings Bank (Main) | 150 State St | Augusta, ME |
| WINTHROP BRANCH | 84 Main St | Winthrop, ME |
| GRANITE HILL ESTATES BRANCH | Granite Hill Estates, 60 Balsam Drive | Hallowell, ME |
| WATERVILLE BRANCH | 226 Main St | Waterville, ME |
| WASHINGTON STREET BRANCH | 11 Washington St | Waterville, ME |
| FARMINGDALE BRANCH | 1 Northern Ave | Farmingdale, ME |
| FREEPORT BRANCH OFFICE | 181 Lower Main St | Freeport, ME |
| PORTLAND BRANCH | 53 Baxter Boulevard | Portland, ME |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 03/19/1870 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 04330 |
| State and County Number | 23011 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Augusta-Waterville, ME |
Operational Info
| Number of Employees | 190 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 08/14/1958 |
| Primary Insurance Agency | DIF |
| Website | www.kennebecsavings.bank |
| Data Updated | 11/14/2025 |
| CERT | 17897 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.80B |
| Total Deposits | $1.37B |
| Total Liabilities | $1.57B |
| Total Equity Capital | $233.59M |
| Net Income | $6.41M |
| Net Loans and Leases | $1.50B |
| Assets Per Employee ($Millions) | $8.65M |
| Bank Premises and Fixed Assets | $22.21M |
| Cash and Balances due from Depository Institutions | $37.12M |
| Deposits Held in Domestic Offices | $1.37B |
Key Performance Ratios
| Return on Assets (ROA) | 1.43% |
| Return on Equity (ROE) | 11.15% |
| Net Interest Margin | 2.97% |
| Efficiency Ratio | 72.72% |
| Tier 1 Risk-Based Capital Ratio | 17.225% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.976% |
| Earning Assets to total Assets | 97% |
Income and Expense
| Total Interest Income | $21.79M |
| Total Noninterest Income | $2.12M |
| Total Interest Expense | $8.85M |
| Total Noninterest Expense | $10.95M |
| Net Interest Income | $12.95M |
| Pre-tax Net Operating Income | $4.06M |
| Provision for Credit Losses | $44.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $173.40M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $22.26M |
| Total Liabilities and Capital | $1.80B |
Securities
| Securities | $214.75M |
| Available-for-sale debt securities | $137.33M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Kennebec Savings Bank?
$1.80B as of the latest filing.
How much are Kennebec Savings Bank's total deposits?
$1.37B in total deposits.
Where is Kennebec Savings Bank located?
Augusta, ME.
What is the Net Interest Margin?
2.97%.
How many domestic offices does it operate?
8.
When was it established?
03/19/1870.
What is the Return on Assets (ROA)?
1.43%.
How much are total loans and leases?
$1.50B (latest filing).
What is the total interest income (latest filing)?
$21.79M.