BlastPoint's Banking Scorecard
Kennebunk Savings Bank
Community
Specialty: Commercial
ME
FDIC cert 13063
Kennebunk, ME
1484
banks in Community tier nationally
15 in ME
View Community leaderboard (ME) →
Kennebunk Savings Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 2% in Community
- + Non-Interest-Bearing Deposit Share 21.98% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 21% in Community
- - Credit Risk Growth: Bottom 48% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+7.8% YoY
+2.3% QoQ
|
+$621.0M |
$1.4B
+2.0% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$1.6B
+9.8% YoY
+3.0% QoQ
|
+$656.4M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$1.6B
+0.1% YoY
-3.8% QoQ
|
+$463.6M |
$1.2B
+1.7% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
0.75%
+45.1% YoY
+7.4% QoQ
|
-0.41% |
1.16%
+17.2% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
3.58%
+11.9% YoY
+1.7% QoQ
|
-0.09% |
3.66%
+9.1% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
73.69%
-10.2% YoY
-1.7% QoQ
|
+11.05% |
62.63%
-5.3% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.15%
+361.0% YoY
-0.8% QoQ
|
-0.48% |
0.63%
+18.3% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
100.23%
+9.7% YoY
+7.1% QoQ
|
+17.16% |
83.06%
+0.3% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
43.03%
+2.3% YoY
-0.7% QoQ
|
+21.98% |
21.05%
-0.9% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.12%
+369.7% YoY
-0.1% QoQ
|
-0.38% |
0.50%
+20.3% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.20%
+2.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.63%
-4.4% YoY
+35.8% QoQ
|
-0.11% |
0.74%
-1.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#8 of 371 · Top 2% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Community
Why this stands out
Current:
43.03%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (2)
Credit Quality Pressure
risk
#171 of 808 · Bottom 21% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#311 of 642 · Bottom 48% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 43.03% · Tier avg: 21.05%
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
79
79th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
77
77th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
46
46th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
22
22th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.16%
19
19th pctile
Efficiency Ratio
Current: 73.69% · Tier avg: 62.63%
13
13th pctile
Loan-to-Deposit Ratio
Current: 100.23% · Tier avg: 83.06%
Top Weaknesses
13
13th pctile
Loan-to-Deposit Ratio
Current: 100.23% · Tier avg: 83.06%
19
19th pctile
Efficiency Ratio
Current: 73.69% · Tier avg: 62.63%
22
22th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
46
46th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.66%
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
77
77th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
79
79th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 43.03% · Tier avg: 21.05%