BlastPoint's Banking Scorecard
Norway Savings Bank
Community
Specialty: Commercial
ME
FDIC cert 17658
Norway, ME
1484
banks in Community tier nationally
15 in ME
View Community leaderboard (ME) →
Norway Savings Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 46% in Community
- - Liquidity Strain: Bottom 50% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+4.7% YoY
-0.6% QoQ
|
+$690.7M |
$1.4B
+2.0% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$1.5B
+7.9% YoY
+2.4% QoQ
|
+$560.0M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$1.6B
+4.1% YoY
-1.6% QoQ
|
+$430.1M |
$1.2B
+1.7% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
1.00%
+11.4% YoY
-7.3% QoQ
|
-0.17% |
1.16%
+17.2% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
3.37%
+8.3% YoY
+1.9% QoQ
|
-0.29% |
3.66%
+9.1% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
72.94%
-4.9% YoY
+1.8% QoQ
|
+10.31% |
62.63%
-5.3% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
0.68%
-1.1% YoY
+27.1% QoQ
|
+0.05% |
0.63%
+18.3% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
96.29%
+3.6% YoY
+4.0% QoQ
|
+13.22% |
83.06%
+0.3% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
27.92%
-2.0% YoY
-0.3% QoQ
|
+6.87% |
21.05%
-0.9% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.50%
+1.9% YoY
+30.9% QoQ
|
0 |
0.50%
+20.3% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
38% |
| 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 ? |
0.53%
+5.5% YoY
+33.9% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Capital Thin
risk
#200 of 432 · Bottom 46% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#257 of 513 · Bottom 50% 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:
96.29%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 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
82
82th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
80
80th pctile
Loan-to-Deposit Ratio
Current: 96.29% · Tier avg: 83.06%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 27.92% · Tier avg: 21.05%
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
51
51th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
39
39th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.16%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
37
37th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.63%
34
34th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
21
21th pctile
Efficiency Ratio
Current: 72.94% · Tier avg: 62.63%
Top Weaknesses
21
21th pctile
Efficiency Ratio
Current: 72.94% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.66%
37
37th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.63%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
39
39th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.16%
51
51th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 27.92% · Tier avg: 21.05%
80
80th pctile
Loan-to-Deposit Ratio
Current: 96.29% · Tier avg: 83.06%
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
82
82th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M