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Who We Are

Damariscotta Bank & Trust Co. is a locally-owned bank formed in the early 1970's, by local business folk to help with the needs of small businesses and families. Serving the counties of Lincoln, Knox and Waldo we have six branches located between Belfast and Damariscotta, including the towns of New Harbor, Union and Warren.

We understand that everyone's needs are different. So whether it's for a checking account, a college savings plan, an IRA or a loan, we offer the variety and flexibility to meet your individual needs and a knowledgeable staff to make opening an account easy.

If it is a loan you are looking for, whether buying your first home, refinancing your mortgage or a personal loan, we take pride in the fact that product and lending decisions are made locally. Our quick and efficient response time continues to be a proud tradition.

Even though we are a small independent community bank, we invest in the technologies needed to offer the modern banking conveniences available today such as Online banking with bill pay, MasterCard Debit Cards and Access DB&T.