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This institution is no longer active

Operations ceased on January 1, 2020. CRA examination history below reflects the period it was active.

MECHANICS' SAVINGS BANK

AUBURN, ME · Supervised by FDIC

Est. 1875FDIC #17,476RSSD: FDIC-17476
Part ofMAINE COMMUNITY BCORP MHC→ View all charters
Satisfactory Same

Current rating · Exam: June 2018

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.93%

Institution Profile

FDIC BankFind

Address

100 Minot Avenue, AUBURN, ME

County

Androscoggin County

Established

February 16, 1875

Total Assets

$425M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2018

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2019Call Report / FDIC

Total Assets

$425M

Total Deposits

$322M

Net Loans

$356M

Net Income

$4M

ROA

0.93%

ROE

7.30%

Risk-Based Capital

18.01%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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