County banking markets / ME / 23005
CumberlandMaine
FIPS 23005. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 16 counties in Maine’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (860) and unconcentrated on deposits (1,121).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
97 branch offices and 13 institutions in 1994; 120 and 19 in 2025. Deposits booked in the county went from $3.40B to $15.59B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | Northeast Bank cert 19690 | $2.78B | 17.86% | 4 | 3.33% |
| 2 | TD Bank, National Association cert 18409 | $2.64B | 16.96% | 13 | 10.83% |
| 3 | Bank of America, National Association cert 3510 | $1.95B | 12.52% | 10 | 8.33% |
| 4 | KeyBank National Association cert 17534 | $1.78B | 11.45% | 11 | 9.17% |
| 5 | Maine Community Bank cert 17741 | $1.54B | 9.91% | 16 | 13.33% |
| 6 | Bangor Savings Bank cert 18408 | $1.01B | 6.49% | 10 | 8.33% |
| 7 | Norway Savings Bank cert 17658 | $856.5M | 5.49% | 16 | 13.33% |
| 8 | The Camden National Bank cert 4255 | $683.5M | 4.38% | 4 | 3.33% |
| 9 | Machias Savings Bank cert 19531 | $547.7M | 3.51% | 1 | 0.83% |
| 10 | Bath Savings Institution cert 17749 | $494.6M | 3.17% | 9 | 7.50% |
| 11 | Androscoggin Savings Bank cert 17751 | $459.6M | 2.95% | 3 | 2.50% |
| 12 | Saco & Biddeford Savings Institution cert 17743 | $233.4M | 1.50% | 4 | 3.33% |
| 13 | Manufacturers and Traders Trust Company cert 588 | $222.9M | 1.43% | 8 | 6.67% |
| 14 | JPMorgan Chase Bank, National Association cert 628 | $126.9M | 0.81% | 5 | 4.17% |
| 15 | Kennebec Savings Bank cert 17897 | $99.1M | 0.64% | 2 | 1.67% |
| 16 | NBT Bank, National Association cert 7230 | $52.7M | 0.34% | 1 | 0.83% |
| 17 | Katahdin Trust Company cert 12874 | $41.1M | 0.26% | 1 | 0.83% |
| 18 | Bar Harbor Bank & Trust cert 11971 | $36.8M | 0.24% | 1 | 0.83% |
| 19 | Skowhegan Savings Bank cert 19532 | $13.9M | 0.09% | 1 | 0.83% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Maine, or read the methodology for the two HHI constructions and what they cannot tell you.