Serving central Maine communities, local deposit gathering funds core lending into residential mortgages and small-business commercial loans while deploying a branch-led distribution and expanding digital channels. Kennebec Savings Bank operates as a mutual savings bank headquartered in Maine, targeting retail customers, owner-occupied mortgage borrowers and community businesses; balance-sheet management prioritizes high-quality loans and liquidity to navigate rate cycles. Capital strategy centers on stable core deposits, conservative underwriting and incremental fee income from wealth management and payment services, making the bank a regional participant in the New England banking landscape for deposit and mortgage market flows.
Serving central Maine communities, local deposit gathering funds core lending into residential mortgages and small-business commercial loans while deploying a branch-led distribution and expanding digital channels. Kennebec Savings Bank operates as a mutual savings bank headquartered in Maine, targeting retail customers, owner-occupied mortgage borrowers and community businesses; balance-sheet management prioritizes high-quality loans and liquidity to navigate rate cycles. Capital strategy centers on stable core deposits, conservative underwriting and incremental fee income from wealth management and payment services, making the bank a regional participant in the New England banking landscape for deposit and mortgage market flows.
As a community mutual bank focused on central Maine, prioritizes core deposit gathering and conservative balance-sheet management, funding residential mortgages and small-business commercial lending. Strategy emphasizes relationship banking and branch-led distribution complemented by digital channels, seeking stable net interest margin through high-quality, owner-occupied mortgage origination and disciplined credit underwriting. Capital deployment favors held-for-investment loans, liquidity buffers, and modest fee-generating businesses (wealth, payments). Time horizon is long-term, risk framework conservative with stress-tested liquidity and capital targets, and competitive edge derives from local market franchise and customer intimacy.
As a community mutual bank focused on central Maine, prioritizes core deposit gathering and conservative balance-sheet management, funding residential mortgages and small-business commercial lending. Strategy emphasizes relationship banking and branch-led distribution complemented by digital channels, seeking stable net interest margin through high-quality, owner-occupied mortgage origination and disciplined credit underwriting. Capital deployment favors held-for-investment loans, liquidity buffers, and modest fee-generating businesses (wealth, payments). Time horizon is long-term, risk framework conservative with stress-tested liquidity and capital targets, and competitive edge derives from local market franchise and customer intimacy.
| Trades 1267 | Longs Won 769/1267 60% | Profit Factor 5.19 |
| Profitability | Shorts Won 0/0 0% | Standard Deviation $154,460.13 |
| Average Win $40,067 | Best Trade (Jul 19) $3.1M | Sharpe Ratio -8.9 |
| Average Loss -$11,913.75 | Worst Trade (Jul 19) -$458,334.69 | Z-Score 3.42 (99.94%) |
| Commissions $0 | Avg. Trade Length 11m 6d | Expectancy $19,635.73 |
| Loss Size | 100% | 90% | 80% | 70% | 60% | 50% | 40% | 30% | 20% | 10% |
| Probability of Loss | <0.01% | <0.01% | <0.01% | <0.01% | <0.01% | <0.01% | <0.01% | <0.01% | <0.01% | <0.01% |
| Consecutive Losing Trades | 10,638 | 9,574 | 8,511 | 7,447 | 6,383 | 5,319 | 4,255 | 3,191 | 2,128 | 1,064 |