BlastPoint's Banking Scorecard
Partners Bank of New England
Community
Specialty: Commercial
ME
FDIC cert 17115
Sanford, ME
1484
banks in Community tier nationally
15 in ME
View Community leaderboard (ME) →
Partners Bank of New England has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 22.01% above tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 39% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+2.2% YoY
+0.6% QoQ
|
-$327.0M |
$1.4B
+2.0% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$859.2M
-0.5% YoY
-0.5% QoQ
|
-$116.3M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$817.8M
-1.2% YoY
+4.9% QoQ
|
-$346.9M |
$1.2B
+1.7% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
0.87%
+193.2% YoY
+5.2% QoQ
|
-0.29% |
1.16%
+17.2% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.13%
+17.8% YoY
+2.3% QoQ
|
-0.53% |
3.66%
+9.1% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
76.66%
-8.5% YoY
-1.0% QoQ
|
+14.03% |
62.63%
-5.3% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.20%
-31.9% YoY
+17.6% QoQ
|
-0.43% |
0.63%
+18.3% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
105.07%
+0.7% YoY
-5.2% QoQ
|
+22.01% |
83.06%
+0.3% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.33%
-2.3% YoY
-10.8% QoQ
|
-10.71% |
21.05%
-0.9% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.16%
-33.7% YoY
+16.4% QoQ
|
-0.33% |
0.50%
+20.3% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
14.54%
+5.8% YoY
+2.6% QoQ
|
+4.30% |
10.24%
-0.6% YoY
|
11.20%
+2.6% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.34%
-2.1% YoY
+32.2% QoQ
|
-0.40% |
0.74%
-1.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Community
Why this stands out
Current:
105.07%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Liquidity Strain
risk
#199 of 513 · Bottom 39% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
105.07%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
93
93th pctile
Loan-to-Deposit Ratio
Current: 105.07% · Tier avg: 83.06%
73
73th pctile
Tier 1 Capital Ratio
Current: 14.54% · Tier avg: 10.24%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
61
61th pctile
Total Loans
Current: $859.2M · Tier avg: $975.5M
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
48
48th pctile
Total Deposits
Current: $817.8M · Tier avg: $1.2B
30
30th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
22
22th pctile
Net Interest Margin
Current: 3.13% · Tier avg: 3.66%
14
14th pctile
Efficiency Ratio
Current: 76.66% · Tier avg: 62.63%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.33% · Tier avg: 21.05%
Top Weaknesses
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.33% · Tier avg: 21.05%
14
14th pctile
Efficiency Ratio
Current: 76.66% · Tier avg: 62.63%
22
22th pctile
Net Interest Margin
Current: 3.13% · Tier avg: 3.66%
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
30
30th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
48
48th pctile
Total Deposits
Current: $817.8M · Tier avg: $1.2B
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
61
61th pctile
Total Loans
Current: $859.2M · Tier avg: $975.5M
69
69th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
73
73th pctile
Tier 1 Capital Ratio
Current: 14.54% · Tier avg: 10.24%
93
93th pctile
Loan-to-Deposit Ratio
Current: 105.07% · Tier avg: 83.06%