Maine · Q2 2026
Kennebec County, Maine
7.1% of Kennebec 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
6 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Kennebec Savings Bank | Augusta, ME | $1.9B | Below | — | 92.7% |
| The Camden National Bank | Camden, ME | $6.9B | Below | — | 12.9% |
| Skowhegan Savings Bank | Skowhegan, ME | $0.9B | Below | — | 7.1% |
| Bangor Savings Bank | Bangor, ME | $7.7B | Below | — | 6.0% |
| Northeast Bank | Portland, ME | $5.2B | Above threshold | C2 | 5.1% |
| Bar Harbor Bank & Trust | Bar Harbor, ME | $4.7B | Concentrated | 300%+, growth test not met | 2.4% |
- Augusta, ME$1.9B—92.7% of bank deposits
- Camden, ME$6.9B—12.9% of bank deposits
- Skowhegan, ME$0.9B—7.1% of bank deposits
- Bangor Savings BankBelowBangor, ME$7.7B—6.0% of bank deposits
- Northeast BankAbove thresholdPortland, ME$5.2BC25.1% of bank deposits
- Bar Harbor Bank & TrustConcentratedBar Harbor, ME$4.7B300%+, growth test not met2.4% 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
1 of the 6 banks under $100B in assets with a branch in Kennebec County is above a regulatory CRE concentration threshold, and it holds 7.1% 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 9.4%.
Coverage is 62%: the rest of the deposits in Kennebec 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.