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104 Main Street
Kennebunk, ME 04043

Kennebunk Savings Bank is headquartered in Kennebunk and is the 9th largest bank in the state of Maine. It is also the 758th largest bank in the nation. It was established in 1871 and as of March of 2014, it had grown to 273 employees at 16 locations. Kennebunk Savings Bank has a A+ health rating.

Reviews (2)

Fair-Weather Friends

I had a temporary setback where I lost use of my phone and did not have money to address an overdraft. When I came in I was treated very rudely and told not to reopen my account with them, all as they took the money to settle it. I have never been treated that badly and I am very happy to have had an account with another New England bank that has never had a problem with me.

Customer Since 2004, And Seldom Is There An Issue. 5-Star Banking.

Unlike "effkennebunk" - I've had nothing but helpful service - even when someone can't immediately address my problem, they seek someone who can. 
I had a deposit go missing (literally the ATM ate it) and the bank made good on my overdrafts. 
I've transferred money into the wrong account to cover a check - and they called rather than just bounce checks and charge me $35 a pop, unlike another former institution I banked with. 
Yes, Bank of America - I'm looking at you.  Money on-deposit, and you couldn't be bothered... other than to rack-up $105 in fees.  So if you're in York County Maine, or Rockingham County NH - give Kennbunksavings a try.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Kennebunk Savings Bank had $7.08 million in non-current loans and owned real-estate with $108.76 million in equity and loan loss allowances on hand to cover it. This gives Kennebunk Savings Bank a Texas Ratio of 6.51% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Kennebunk Savings Bank experienced no significant changes from 7.20% as of March 31, 2013 to 6.51% as of March 31, 2014, resulting in a positive change of 9.54%.This indicates that the balance sheet and financial strength for Kennebunk Savings Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Kennebunk Savings Bank has increased its total deposits by $39.25 million, resulting in 5.49% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Kennebunk Savings Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Kennebunk Savings Bank has $893.58 million in assets with $108.76 million in equity, resulting in a capitalization level of 12.17%, which is excellent.

Institution Statistics

FDIC Certificate #13063
Year Established1871
Primary RegulatorFDIC
Assets and Liabilities
Assets$893.58 million
Loans$746.06 million
Deposits$754.02 million
Equity Capital$101.67 million
Loan Loss Allowance$7.09 million
Unbacked Noncurrent Loans$7.08 million
Real Estate Owned$0
Historic Data - March 2013
Assets$851.94 million
Equity Capital$92.51 million
Loan Loss Allowance$8.45 million
Unbacked Noncurrent Loans$7.08 million
Real Estate Owned$90,000
Profit Margin - Quarterly
Net Interest Margin4.11%
Return on Assets0.87%
Return on Equity7.73%
Interest Income$8.79 million
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Kennebunk Savings Bank Savings Account Rates

0.10%$5k-Breakaway Savings
0.05%$100-Statement Savings

Kennebunk Savings Bank Checking Account Rates

0.01%--Interest Bearing Checking

Kennebunk Savings Bank CD Rates

1.31%$500-5 Year CD
1.06%$500-3 Year CD
0.80%$500-2 Year CD
0.40%$500-1 Year CD
0.35%$500-7 Month CD
0.15%$500-6 Month CD

Kennebunk Savings Bank IRA Rates

1.31%$500-5 Year IRA
1.06%$500-3 Year IRA
0.80%$500-2 Year IRA
0.40%$500-1 Year IRA

Kennebunk Savings Bank has 16 locations. Click to view all Kennebunk Savings Bank locations.