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FDIC Call Report Analysis

Which Maine Banks Are Actually Growing Their CRE Book — And Who To Call

23 institutions qualified in Maine: at least one branch in the state (FDIC SOD 2025) and a CRE book of $100m or more. Figures below are institution-level and unprorated — a bank lending in multiple states shows its full CRE book on every state page where it qualifies, not a state-prorated share.

Largest CRE Books, Headquartered in Maine

10 of 17 Maine-headquartered institutions.

#InstitutionCRE bookContact
1Northeast Bank
Portland · FDIC Cert #19690
$3.06bnContact available
2The Camden National Bank
Camden · FDIC Cert #4255
$1.73bnContact available
3Bar Harbor Bank & Trust
Bar Harbor · FDIC Cert #11971
$1.71bnContact available
4Bangor Savings Bank
Bangor · FDIC Cert #18408
$1.56bnContact available
5Maine Community Bank
Portland · FDIC Cert #17741
$1.14bnNo contact yet
6Kennebunk Savings Bank
Kennebunk · FDIC Cert #13063
$947mContact available
7Machias Savings Bank
Machias · FDIC Cert #19531
$874mContact available
8First National Bank
Damariscotta · FDIC Cert #4256
$607mContact available
9Norway Savings Bank
Norway · FDIC Cert #17658
$564mContact available
10Androscoggin Savings Bank
Lewiston · FDIC Cert #17751
$554mContact available

Fastest Growing

Top 10 by organic growth. Percent organic growth over four quarters, with a $250m prior-quarter book floor; shrinking institutions are excluded.

#InstitutionOrganic growthContact
1Northeast Bank
Portland · FDIC Cert #19690
+23.6% +$585mContact available
2Kennebunk Savings Bank
Kennebunk · FDIC Cert #13063
+19.4% +$154mContact available
3Norway Savings Bank
Norway · FDIC Cert #17658
+17.8% +$85mContact available
4Saco & Biddeford Savings Institution
Saco · FDIC Cert #17743
+15.1% +$41mContact available
5Katahdin Trust Company
Patten · FDIC Cert #12874
+12.9% +$42mContact available
6Maine Community Bank
Portland · FDIC Cert #17741
+11.2% +$108mNo contact yet
7Bangor Savings Bank
Bangor · FDIC Cert #18408
+6.3% +$93mContact available
8Bar Harbor Bank & Trust
Bar Harbor · FDIC Cert #11971
+5.3% +$82mContact available
9Androscoggin Savings Bank
Lewiston · FDIC Cert #17751
+4.4% +$23mContact available
10The Camden National Bank
Camden · FDIC Cert #4255
+2.8% +$46mContact available

National and Regional Lenders with Branches Here

Top 20 by CRE book size.

#InstitutionCRE bookContact
1Bank of America, National Association
Charlotte · FDIC Cert #3510
$55.21bnContact available
2Manufacturers and Traders Trust Company
Buffalo · FDIC Cert #588
$24.11bnContact available
3TD Bank, National Association
Wilmington · FDIC Cert #18409
$23.57bnContact available
4KeyBank National Association
Cleveland · FDIC Cert #17534
$14.14bnContact available
5NBT Bank, National Association
Norwich · FDIC Cert #7230
$3.70bnContact available
6Northeast Bank
Portland · FDIC Cert #19690
$3.06bnContact available
7The Camden National Bank
Camden · FDIC Cert #4255
$1.73bnContact available
8Bar Harbor Bank & Trust
Bar Harbor · FDIC Cert #11971
$1.71bnContact available
9Bangor Savings Bank
Bangor · FDIC Cert #18408
$1.56bnContact available
10Maine Community Bank
Portland · FDIC Cert #17741
$1.14bnNo contact yet
11Kennebunk Savings Bank
Kennebunk · FDIC Cert #13063
$947mContact available
12Machias Savings Bank
Machias · FDIC Cert #19531
$874mContact available
13First National Bank
Damariscotta · FDIC Cert #4256
$607mContact available
14Norway Savings Bank
Norway · FDIC Cert #17658
$564mContact available
15Androscoggin Savings Bank
Lewiston · FDIC Cert #17751
$554mContact available
16Katahdin Trust Company
Patten · FDIC Cert #12874
$365mContact available
17Saco & Biddeford Savings Institution
Saco · FDIC Cert #17743
$312mContact available
18Partners Bank of New England
Sanford · FDIC Cert #17115
$278mContact available
19Bath Savings Institution
Bath · FDIC Cert #17749
$275mContact available
20Kennebec Savings Bank
Augusta · FDIC Cert #17897
$207mContact available

National institutions

These institutions also clear the state’s qualifying population test — at least one branch presence and a CRE book of $100m or more — but are not evaluated for state relationship-lending purposes and carry no contact: JPMorgan Chase Bank, National Association (FDIC Cert #628).


Sources. FDIC Call Reports and FDIC Summary of Deposits. The qualifying population excludes de novo institutions, excludes any quarter carrying a >40% QoQ reversal in its CRE book, and requires a CRE book of $100m or more — no deposit-share floor is applied to the qualifying population. The page carries two CRE book size rankings drawn from that same qualifying population, on the same basis: one ranking the state’s largest CRE lenders regardless of where they are headquartered, one ranking the largest lenders headquartered in the state. An institution may appear in both. Growth is percent organic growth over four quarters (30 June 2025 → 30 June 2026), excluding growth attributable to an acquisition, subject to a $250m prior-quarter book floor; institutions with negative organic growth are excluded from the growth list. Institutions with a prior-quarter CRE book above $25bn are also excluded from the growth list — growth at that scale is a national balance-sheet movement, not lending concentrated in any one state, and would otherwise crowd out real local growth on thin-population states. This ceiling applies to the growth list only; the same institutions still appear on the CRE book size rankings above, which rank nationally by design.

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