BlastPoint's Banking Scorecard
Maine Community Bank
Community
Specialty: Commercial
ME
FDIC cert 17741
Portland, ME
1484
banks in Community tier nationally
15 in ME
View Community leaderboard (ME) →
Maine Community Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 20.14% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+144.4% YoY
+2.5% QoQ
|
+$1.5B |
$1.4B
+2.0% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$2.4B
+140.1% YoY
+3.0% QoQ
|
+$1.4B |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$2.3B
+155.6% YoY
-1.2% QoQ
|
+$1.1B |
$1.2B
+1.7% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
0.70%
+8.7% YoY
+2.7% QoQ
|
-0.46% |
1.16%
+17.2% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
4.11%
+33.4% YoY
-2.9% QoQ
|
+0.45% |
3.66%
+9.1% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
77.73%
+2.8% YoY
-6.0% QoQ
|
+15.09% |
62.63%
-5.3% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.58%
+62.6% YoY
-3.2% QoQ
|
-0.05% |
0.63%
+18.3% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
103.20%
-6.0% YoY
+4.3% QoQ
|
+20.14% |
83.06%
+0.3% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.71%
+28.7% YoY
-4.0% QoQ
|
-1.34% |
21.05%
-0.9% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.48%
+59.8% YoY
-2.8% QoQ
|
-0.02% |
0.50%
+20.3% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
40% |
| 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 ? |
0.39%
+89.0% YoY
+26.9% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
103.20%
(Tier avg: 83.06%, National avg: 78.04%)
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
Total Loans
Current: $2.4B · Tier avg: $975.5M
89
89th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
88
88th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
74
74th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.66%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.71% · Tier avg: 21.05%
42
42th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.63%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.16%
13
13th pctile
Efficiency Ratio
Current: 77.73% · Tier avg: 62.63%
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.20% · Tier avg: 83.06%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.20% · Tier avg: 83.06%
13
13th pctile
Efficiency Ratio
Current: 77.73% · Tier avg: 62.63%
20
20th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
42
42th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.63%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.71% · Tier avg: 21.05%
74
74th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.66%
88
88th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
89
89th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
93
93th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M