BlastPoint's Banking Scorecard
Saco & Biddeford Savings Institution
Community
Specialty: Commercial
ME
FDIC cert 17743
Designations: ✓ Mutual
Saco, ME
1484
banks in Community tier nationally
15 in ME
View Community leaderboard (ME) →
Saco & Biddeford Savings Institution has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.60% below tier
- + Loan-to-Deposit Ratio 30.38% above tier
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 30% in Community
- - Efficiency Drag: Bottom 72% in Community
- - Return on Assets 0.95% below tier
- - Net Interest Margin 1.48% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+2.5% YoY
+0.2% QoQ
|
+$54.8M |
$1.4B
+2.0% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$1.2B
+3.5% YoY
+0.5% QoQ
|
+$195.7M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$1.0B
+2.1% YoY
-2.0% QoQ
|
-$132.2M |
$1.2B
+1.7% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
0.22%
+99.8% YoY
+30.4% QoQ
|
-0.95% |
1.16%
+17.2% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
2.19%
+13.5% YoY
+2.6% QoQ
|
-1.48% |
3.66%
+9.1% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
90.90%
-6.1% YoY
-2.2% QoQ
|
+28.27% |
62.63%
-5.3% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
0.03%
-50.6% YoY
+9.3% QoQ
|
-0.60% |
0.63%
+18.3% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
Top 9% in tier |
| Loan-to-Deposit Ratio ? |
113.45%
+1.4% YoY
+2.6% QoQ
|
+30.38% |
83.06%
+0.3% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.66%
+7.7% YoY
-0.0% QoQ
|
-3.38% |
21.05%
-0.9% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.02%
-50.1% YoY
+9.7% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
Top 9% in tier |
| 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 ? |
0.76%
+0.8% YoY
+42.3% QoQ
|
+0.02% |
0.74%
-1.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 9%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
113.45%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 9%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (4)
Capital Thin
risk
#129 of 432 · Bottom 30% 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 declining
Efficiency Drag
risk
#110 of 152 · Bottom 72% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
90.90%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.22%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Community
Why this stands out
Current:
2.19%
(Tier avg: 3.66%, National avg: 3.75%)
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
Loan-to-Deposit Ratio
Current: 113.45% · Tier avg: 83.06%
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
74
74th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
68
68th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.66% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
5
5th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.16%
3
3th pctile
Efficiency Ratio
Current: 90.90% · Tier avg: 62.63%
3
3th pctile
Net Interest Margin
Current: 2.19% · Tier avg: 3.66%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.19% · Tier avg: 3.66%
3
3th pctile
Efficiency Ratio
Current: 90.90% · Tier avg: 62.63%
5
5th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.66% · Tier avg: 21.05%
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
68
68th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
74
74th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
97
97th pctile
Loan-to-Deposit Ratio
Current: 113.45% · Tier avg: 83.06%