BlastPoint's Banking Scorecard
Androscoggin Savings Bank
Community
Specialty: Commercial
ME
FDIC cert 17751
Lewiston, ME
1484
banks in Community tier nationally
15 in ME
View Community leaderboard (ME) →
Androscoggin Savings 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
- - Credit Risk Growth: Bottom 42% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+10.1% YoY
+2.8% QoQ
|
+$438.6M |
$1.4B
+2.0% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$1.5B
+8.5% YoY
+0.8% QoQ
|
+$501.8M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$1.5B
+10.7% YoY
+5.9% QoQ
|
+$294.1M |
$1.2B
+1.7% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
0.55%
+30.3% YoY
+10.1% QoQ
|
-0.61% |
1.16%
+17.2% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
2.99%
+9.7% YoY
+1.7% QoQ
|
-0.68% |
3.66%
+9.1% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
76.55%
-5.9% YoY
-1.5% QoQ
|
+13.92% |
62.63%
-5.3% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.34%
+70.9% YoY
+5.7% QoQ
|
-0.29% |
0.63%
+18.3% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
101.27%
-2.1% YoY
-4.9% QoQ
|
+18.21% |
83.06%
+0.3% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.35%
-5.2% YoY
-15.1% QoQ
|
-7.69% |
21.05%
-0.9% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.27%
+68.3% YoY
+3.6% QoQ
|
-0.23% |
0.50%
+20.3% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
12.79%
+10.5% YoY
-0.8% QoQ
|
+2.55% |
10.24%
-0.6% YoY
|
11.20%
+2.6% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.46%
-1.7% YoY
+36.8% QoQ
|
-0.28% |
0.74%
-1.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#272 of 642 · Bottom 42% 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
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
89
89th pctile
Loan-to-Deposit Ratio
Current: 101.27% · Tier avg: 83.06%
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
77
77th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
58
58th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.79% · Tier avg: 10.24%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.35% · Tier avg: 21.05%
17
17th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
14
14th pctile
Efficiency Ratio
Current: 76.55% · Tier avg: 62.63%
13
13th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.16%
Top Weaknesses
13
13th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.16%
14
14th pctile
Efficiency Ratio
Current: 76.55% · Tier avg: 62.63%
17
17th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.35% · Tier avg: 21.05%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.79% · Tier avg: 10.24%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
58
58th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
77
77th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
89
89th pctile
Loan-to-Deposit Ratio
Current: 101.27% · Tier avg: 83.06%