Overview / Commentary
25 Main Street
Damariscotta, ME 04543

Damariscotta Bank & Trust Co. is headquartered in Damariscotta and is the 20th largest bank in the state of Maine. It is also the 2,916th largest bank in the nation. It was established in 1973 and as of December of 2018, it had grown to 51 employees at 6 locations. Damariscotta Bank & Trust Co. has a B health rating.


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Health Grade Components

FDIC Certificate #20931
Year Established1973
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD6.82%
Annual Interest Income$7.1MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$198.2MM$193.0MM
LoansQ4 2018vs Q4 2017$124.2MM$120.7MM
DepositsQ4 2018vs Q4 2017$177.6MM$173.1MM
Equity CapitalQ4 2018vs Q4 2017$18.3MM$17.6MM
Loan Loss AllowanceQ4 2018vs Q4 2017$1.1MM$1.0MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$3.2MM$2.2MM
Real Estate OwnedQ4 2018vs Q4 2017$30.00K$165.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Damariscotta Bank & Trust Co. Savings Account Rates

0.25%$50-Health Savings
0.15%$50-Statement Savings
0.15%$50-Business Statement Savings
0.05%$10-Passbook Savings

Damariscotta Bank & Trust Co. Money Market Rates

0.40%*$100k*-Money Market Account
OTHER TIERS: 0.25% Up to $50k | 0.35% $50k - $100k
0.40%*$100k*-Business Money Market Account
OTHER TIERS: 0.25% $10k - $50k | 0.35% $50k - $100k

Damariscotta Bank & Trust Co. Checking Account Rates

0.05%$400-Free Checking Plus
0.05%$400-Premier NOW Checking
0.05%$400-Platinum Checking
0.05%$100-Platinum 50 Checking

Damariscotta Bank & Trust Co. CD Rates

2.02%$2.5k-23 Month CD Special
2.02%$2.5k-Business 23 Month CD Special
1.50%$500-5 Year CD
1.50%$500-Business 5 Year CD
0.75%$500-4 Year CD
0.75%$500-Business 4 Year CD
0.50%$500-2 Year Investors Choice CD
0.50%$500-3 Year CD
0.50%$500-Business 2 Year Investors Choice CD
0.50%$500-Business 3 Year CD
0.15%$500-1 Year CD
0.15%$500-Business 1 Year CD
0.10%$500-7 to 31 Day CD
0.10%$500-3 Month CD
0.10%$500-6 Month CD
0.10%$500-Business 7 to 31 Day CD
0.10%$500-Business 3 Month CD
0.10%$500-Business 6 Month CD

Damariscotta Bank & Trust Co. IRA Rates

2.55%$25-18 Month Variable IRA CD
2.55%$25-Business 18 Month Variable IRA CD

Damariscotta Bank & Trust Co. Locations
Union Branch17 Sennebec RoadUnion, ME 04862
Damariscotta Bank & Trust Co.25 Main StreetDamariscotta, ME 04543
Damariscotta Branch619 Main StreetDamariscotta, ME 04543
Belfast Branch1 Belmont AvenueBelfast, ME 04915
Warren Branch289 Camden RoadWarren, ME 04864
Bristol Branch2578 Bristol RoadNew Harbor, ME 04554

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