BlastPoint's Banking Scorecard
Bath Savings Institution
Community
Specialty: Commercial
ME
FDIC cert 17749
Designations: ✓ Mutual
Bath, ME
1484
banks in Community tier nationally
15 in ME
View Community leaderboard (ME) →
Bath Savings Institution has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 9% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 7% in Community
- - Credit Quality Pressure: Bottom 12% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+6.9% YoY
+1.9% QoQ
|
+$106.4M |
$1.4B
+2.0% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$842.1M
+3.3% YoY
-1.0% QoQ
|
-$133.3M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$1.2B
+5.7% YoY
+2.1% QoQ
|
-$2.7M |
$1.2B
+1.7% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
1.06%
-7.7% YoY
+10.8% QoQ
|
-0.11% |
1.16%
+17.2% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
2.81%
+11.9% YoY
+2.0% QoQ
|
-0.85% |
3.66%
+9.1% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
65.76%
-6.3% YoY
-5.2% QoQ
|
+3.13% |
62.63%
-5.3% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.12%
+61.3% YoY
-20.6% QoQ
|
-0.51% |
0.63%
+18.3% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
72.48%
-2.3% YoY
-3.0% QoQ
|
-10.59% |
83.06%
+0.3% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
17.67%
+1.0% YoY
-8.1% QoQ
|
-3.38% |
21.05%
-0.9% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.07%
+55.9% YoY
-22.9% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
84% |
| 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 ? |
0.89%
-2.1% YoY
+34.6% QoQ
|
+0.15% |
0.74%
-1.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#33 of 371 · Top 9% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (2)
Credit Risk Growth
risk
#49 of 642 · Bottom 7% 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 improving
Credit Quality Pressure
risk
#94 of 808 · Bottom 12% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 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
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
82
82th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.74%
79
79th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
77
77th pctile
Loan-to-Deposit Ratio
Current: 72.48% · Tier avg: 83.06%
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
60
60th pctile
Total Loans
Current: $842.1M · Tier avg: $975.5M
44
44th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.16%
38
38th pctile
Efficiency Ratio
Current: 65.76% · Tier avg: 62.63%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.67% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
12
12th pctile
Net Interest Margin
Current: 2.81% · Tier avg: 3.66%
Top Weaknesses
12
12th pctile
Net Interest Margin
Current: 2.81% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.67% · Tier avg: 21.05%
38
38th pctile
Efficiency Ratio
Current: 65.76% · Tier avg: 62.63%
44
44th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.16%
60
60th pctile
Total Loans
Current: $842.1M · Tier avg: $975.5M
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
77
77th pctile
Loan-to-Deposit Ratio
Current: 72.48% · Tier avg: 83.06%
79
79th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
82
82th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.74%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%