Aroostook County Fs&La
Caribou, Maine · FDIC Cert #29743
Aroostook County Fs&La is an FDIC-insured bank (Certificate #29743) with $190M in total assets and $166M in total deposits as of the Q2 2024 Call Report. Headquartered in Caribou, Maine, the bank maintains a Tier 1 capital ratio of 17.55% (Well-Capitalized) and a nonperforming loan ratio of 0.12%. BankHealthData assigns a composite Health Grade of A (91/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Aroostook County Fs&La (FDIC cert 29743) is a community bank — $190M in total assets, $166M in deposits, serving the Caribou, Maine area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 17.55% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.12% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 28.4% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is thin: ROA of 0.36% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Aroostook County Fs&La carries a composite BankHealth grade of A (91/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Aroostook County Fs&La
- Total Assets
- $190M
- Total Deposits
- $166M
- Tier 1 Capital Ratio
- 17.55%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.12%
- Liquidity Ratio
- 28.39%
- Return on Assets
- 0.36%
- Headquarters
- Caribou, Maine
- FDIC Certificate
- #29743
- Health Grade
- A (91/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Aroostook County Fs&La holds a Tier 1 capital ratio of 17.55%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Aroostook County Fs&La has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Aroostook County Fs&La shows strong financial health indicators. With $190M in assets and a Health Score of 91/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Aroostook County Fs&La Compares
Aroostook County Fs&La’s Health Score of 91 is 27 points above the Maine state average of 64 across 20 FDIC-insured banks. Its 17.55% Tier 1 capital ratio is 3.5 points above the US banking industry average near 14%. The 0.12% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.36% is below the national ROA benchmark of ~1.1%. Among 1500 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort. Site-wide, Aroostook County Fs&La is 21 points above the portfolio average of 70.
Frequently Asked Questions
Aroostook County Fs&La has a Bank Health Score of A (91/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 17.55%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Aroostook County Fs&La's Tier 1 capital ratio of 17.55% and nonperforming loan ratio of 0.12% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Aroostook County Fs&La is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #29743). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Aroostook County Fs&La holds $190M in total assets and $166M in total deposits. It is headquartered in Caribou, Maine (FDIC Certificate #29743).
Aroostook County Fs&La has a Tier 1 capital ratio of 17.55%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.12%, and the return on assets is 0.36%.
Yes. Aroostook County Fs&La is FDIC-insured (Certificate #29743). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Aroostook County Fs&La's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.