Kennebec Savings Bank

Overview / Commentary
150 State Street
Augusta, ME 04332

Kennebec Savings Bank is headquartered in Augusta and is the 11th largest bank in the state of Maine. It is also the 749th largest bank in the nation. It was established in 1870 and as of September of 2020, it had grown to 141 employees at 6 locations. Kennebec Savings Bank has an A+ health rating.


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Health Grade Components

FDIC Certificate #17897
Year Established1870
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.8%
Return on Equity - YTD6.21%
Annual Interest Income$35.6MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$1.25B$1.12B
LoansQ3 2020vs Q3 2019$1.06B$939.4MM
DepositsQ3 2020vs Q3 2019$916.6MM$784.9MM
Equity CapitalQ3 2020vs Q3 2019$161.7MM$150.7MM
Loan Loss AllowanceQ3 2020vs Q3 2019$6.8MM$5.5MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$4.8MM$4.6MM
Real Estate OwnedQ3 2020vs Q3 2019$2.8MM$46.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Kennebec Savings Bank Savings Account Rates

0.40%*$250k*-IRA Savings
OTHER TIERS: 0.15% Up to $2.5k | 0.20% $2.5k - $50k | 0.25% $50k - $100k | 0.35% $100k - $250k
0.25%*$250k*-Premier Savings
OTHER TIERS: 0.05% $2.5k - $20k | 0.15% $20k - $100k | 0.20% $100k - $250k
0.15%--Kids Club Savings
0.10%*$20k*-Statement Savings
OTHER TIERS: 0.05% Up to $20k
0.10%*$20k*-HSA Savings
OTHER TIERS: 0.05% Up to $20k
0.05%$750-HSA Checking

Kennebec Savings Bank Money Market Rates

0.30%*$500k*-Premier Money Market
OTHER TIERS: 0.05% Up to $20k | 0.10% $20k - $100k | 0.15% $100k - $250k | 0.25% $250k - $500k

Kennebec Savings Bank Checking Account Rates

0.20%*$250k*-Premier Checking ll
OTHER TIERS: 0.05% $7.5k - $50k | 0.10% $50k - $100k | 0.15% $100k - $250k
0.05%$750-Premier Checking l

Kennebec Savings Bank CD Rates

0.55%$500-5 Year CD
0.40%$500-4 Year CD
0.35%$500-3 Year CD
0.30%$500-2 Year CD
0.25%$500-1 Year CD
0.20%$500-6 Month CD
0.20%--1 Year Club Account
0.15%--6 Month Club Account

Kennebec Savings Bank IRA Rates

0.55%$500-5 Year IRA
0.40%$500-4 Year IRA
0.35%$500-3 Year IRA
0.30%$500-2 Year IRA
0.25%$500-1 Year IRA

Kennebec Savings Bank Locations
Farmingdale Branch1 Northern AvenueFarmingdale, ME 04344
Kennebec Savings Bank150 State StreetAugusta, ME 04330
Waterville Branch226 Main StreetWaterville, ME 04901
Winthrop Branch84 Main StreetWinthrop, ME 04364
Granite Hill Estates BranchGranite Hill Estates, 60 Balsam DriveHallowell, ME 04347
Freeport Branch Office181 Lower Main StreetFreeport, ME 04032

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