Saco & Biddeford Savings Institution
Saco, ME
IDRSSD: 339607
Total Assets
$1.44B
Latest filing
Total Deposits
$1.05B
Latest filing
Net Interest Margin
2.25%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Saco & Biddeford Savings Institution
252 Main St
Saco, ME 04072
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/21/1827FDIC Certificate 11699
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Saco & Biddeford Savings Institution (Main) | 252 Main St | Saco, ME |
| OLD ORCHARD BEACH BRANCH | 2 Portland Ave | Old Orchard Beach, ME |
| SCARBOROUGH BRANCH | 41 Gorham Rd | Scarborough, ME |
| SOUTH PORTLAND BRANCH | 601 Broadway | South Portland, ME |
| BIDDEFORD BRANCH | 160 Shops Way | Biddeford, ME |
| WESTBROOK BRANCH | 2 Hannaford Dr | Westbrook, ME |
| COMMERCIAL STREET PORTLAND BRANCH | 136 Commercial St | Portland, ME |
Showing 6 of 6
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Bath Savings Institution
Bath, Maine
→
Assets: $1.45BΔ +0.6%
Androscoggin Savings Bank
Lewiston, Maine
→
Assets: $1.76BΔ +22.5%
Kennebec Savings Bank
Augusta, Maine
→
Assets: $1.79BΔ +24.4%
Katahdin Trust Company
Patten, Maine
→
Assets: $1.09BΔ -24.6%
Partners Bank of New England
Sanford, Maine
→
Assets: $1.08BΔ -25.1%
Kennebunk Savings Bank
Kennebunk, Maine
→
Assets: $1.93BΔ +34.3%
Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 02/21/1827 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 04072 |
| State and County Number | 23031 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Portland-South Portland, ME |
Operational Info
| Number of Employees | 194 |
| Domestic Offices | 7 |
| 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 | 04/04/1957 |
| Primary Insurance Agency | DIF |
| Website | www.sbsavings.bank |
| Data Updated | 11/14/2025 |
| CERT | 17743 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.44B |
| Total Deposits | $1.05B |
| Total Liabilities | $1.31B |
| Total Equity Capital | $129.75M |
| Net Income | $1.29M |
| Net Loans and Leases | $1.17B |
| Assets Per Employee ($Millions) | $7.18M |
| Bank Premises and Fixed Assets | $24.54M |
| Cash and Balances due from Depository Institutions | $24.14M |
| Deposits Held in Domestic Offices | $1.05B |
Key Performance Ratios
| Return on Assets (ROA) | 0.36% |
| Return on Equity (ROE) | 4.03% |
| Net Interest Margin | 2.25% |
| Efficiency Ratio | 85.54% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.987% |
| Earning Assets to total Assets | 95.03% |
Income and Expense
| Total Interest Income | $16.99M |
| Total Noninterest Income | $2.87M |
| Total Interest Expense | $9.31M |
| Total Noninterest Expense | $9.03M |
| Net Interest Income | $7.68M |
| Pre-tax Net Operating Income | $1.46M |
| Provision for Credit Losses | $70.00k |
| 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 | $243.64M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.74M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $16.70M |
| Total Liabilities and Capital | $1.44B |
Securities
| Securities | $187.54M |
| Available-for-sale debt securities | $181.09M |
| 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 Saco & Biddeford Savings Institution?
$1.44B as of the latest filing.
How much are Saco & Biddeford Savings Institution's total deposits?
$1.05B in total deposits.
Where is Saco & Biddeford Savings Institution located?
Saco, ME.
What is the Net Interest Margin?
2.25%.
How many domestic offices does it operate?
7.
When was it established?
02/21/1827.
What is the Return on Assets (ROA)?
0.36%.
How much are total loans and leases?
$1.17B (latest filing).
What is the total interest income (latest filing)?
$16.99M.