BlastPoint's Banking Scorecard
Kennebec Savings Bank
Community
Specialty: Commercial
ME
FDIC cert 17897
Augusta, ME
1484
banks in Community tier nationally
15 in ME
View Community leaderboard (ME) →
Kennebec Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 26.18% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 12% in Community
- - Credit Risk Growth: Bottom 15% in Community
- - Non-Interest-Bearing Deposit Share 11.91% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+3.3% YoY
+1.2% QoQ
|
+$430.9M |
$1.4B
+2.0% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$1.5B
+3.8% YoY
+1.2% QoQ
|
+$540.8M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
81% |
| Total Deposits ? |
$1.4B
+3.0% YoY
+1.2% QoQ
|
+$223.4M |
$1.2B
+1.7% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.13%
+87.5% YoY
+0.7% QoQ
|
-0.03% |
1.16%
+17.2% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
2.89%
+19.5% YoY
+2.2% QoQ
|
-0.77% |
3.66%
+9.1% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
74.60%
-16.6% YoY
-0.3% QoQ
|
+11.97% |
62.63%
-5.3% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
0.42%
+34.7% YoY
+17.2% QoQ
|
-0.20% |
0.63%
+18.3% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
109.24%
+0.9% YoY
-0.1% QoQ
|
+26.18% |
83.06%
+0.3% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.13%
-2.0% YoY
-6.8% QoQ
|
-11.91% |
21.05%
-0.9% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.35%
+35.5% YoY
+17.1% QoQ
|
-0.15% |
0.50%
+20.3% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
17.38%
+2.9% YoY
+0.9% QoQ
|
+7.14% |
10.24%
-0.6% YoY
|
11.20%
+2.6% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.38%
+10.3% YoY
+37.5% QoQ
|
-0.36% |
0.74%
-1.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 4%
in Community
Why this stands out
Current:
109.24%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (3)
Liquidity Overhang
risk
#34 of 268 · Bottom 12% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.38%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
109.24%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Credit Risk Growth
risk
#95 of 642 · Bottom 15% 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 declining
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Community
Why this stands out
Current:
9.13%
(Tier avg: 21.05%, National avg: 21.79%)
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
96
96th pctile
Loan-to-Deposit Ratio
Current: 109.24% · Tier avg: 83.06%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.38% · Tier avg: 10.24%
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
52
52th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.63%
51
51th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
33
33th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.74%
18
18th pctile
Efficiency Ratio
Current: 74.60% · Tier avg: 62.63%
14
14th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.66%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.13% · Tier avg: 21.05%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.13% · Tier avg: 21.05%
14
14th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.66%
18
18th pctile
Efficiency Ratio
Current: 74.60% · Tier avg: 62.63%
33
33th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.74%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
51
51th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
52
52th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.63%
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
81
81th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
87
87th pctile
Tier 1 Capital Ratio
Current: 17.38% · Tier avg: 10.24%
96
96th pctile
Loan-to-Deposit Ratio
Current: 109.24% · Tier avg: 83.06%