Bank · FDIC insured
Maine Community Bank
A $3B bank headquartered in Portland, ME, with 22 branches in Maine. Best rates: CDs 3.95% and savings 2.00% APY.
Maine Community Bank Carrot Score
85
Carrot Score
Higher than 70% of U.S. banks and credit unions
#16 of 39 in Portland, ME metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Maine Community Bank
Maine Community Bank is a mutual savings bank operating 21 branches across Androscoggin, York, and Cumberland counties in Southern and Central Maine.
The institution was formed through the unification of three historic Maine banks: Biddeford Savings, Mechanics Savings, and Gorham Savings Bank.
- Headquarters
- 1 India St, Portland, ME 04101
- FDIC certificate
- 17741 ↗
Branches
22 branches in Maine
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Maine
22 branches
Portland area · 20
- Maine Community BankMain office1 India St, Portland, ME 04101Directions
- 254 Main Street Branch254 Main St, Biddeford, ME 04005Directions
- Alfred Street Branch473 Alfred St, Biddeford, ME 04005Directions
- Brunswick Branch27 Gurnet Rd, Brunswick, ME 04011Directions
- Waterboro Branch11 Sokokis Trl, East Waterboro, ME 04030Directions
- Falmouth-Foreside Branch202 Us Route 1, Falmouth, ME 04105Directions
- West Falmouth Crossing Branch65 Gray Rd, Falmouth, ME 04105Directions
- Gorham Savings Bank Branch64 Main St, Gorham, ME 04038Directions
- Kennebunk Branch65 Portland Rd, Kennebunk, ME 04043Directions
- Portland Branch172 Commercial St, Portland, ME 04101Directions
- Portland Marginal Way Branch71 Marginal Way, Portland, ME 04101Directions
- Scarborough Hannaford Drive Branch38 Hannaford Dr, Scarborough, ME 04074Directions
- Scarborough Us Rt 1 Branch206 Us Route 1, Scarborough, ME 04074Directions
- South Portland Branch395 Gorham Rd, South Portland, ME 04106Directions
- Standish Branch1 Colonial Dr, Standish, ME 04084Directions
- Waterboro Main Street Branch846 Main St, Waterboro, ME 04087Directions
- Westbrook Branch100 Larrabee Rd, Westbrook, ME 04092Directions
- Windham Branch766 Roosevelt Trl, Windham, ME 04062Directions
- Windham Drive-In Lane Branch3 Drive In Ln, Windham, ME 04062Directions
- Yarmouth288 Main St, Yarmouth, ME 04096Directions
Lewiston area · 2
- Mechanic Savings Br100 Minot Ave, Auburn, ME 04210Directions
- Lewiston Branch664 Main St, Lewiston, ME 04240Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.11% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.46% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.17% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $108 | $88 | — |
- CapitalLeverage ratio10.11%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.46%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.17%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$108Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Maine Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.