BlastPoint's Banking Scorecard
Bangor Savings Bank
Mid-Market
Specialty: Commercial
ME
FDIC cert 18408
Designations: ✓ Community bank
Bangor, ME
201
banks in Mid-Market tier nationally
2 in ME
View Mid-Market leaderboard (ME) →
Bangor Savings Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.90% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 16% in Mid-Market
- - Capital Constraint: Bottom 25% in Mid-Market
- - Credit Risk Growth: Bottom 26% in Mid-Market
- - Capital Thin: Bottom 42% in Mid-Market
- - Return on Assets 0.77% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.4B
+1.6% YoY
+0.9% QoQ
|
-$3.1B |
$10.5B
+2.9% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$5.1B
+3.7% YoY
+1.4% QoQ
|
-$2.0B |
$7.1B
+4.5% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$5.7B
-4.4% YoY
-2.1% QoQ
|
-$2.8B |
$8.5B
+3.0% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
0.39%
+129.4% YoY
+83.0% QoQ
|
-0.77% |
1.16%
+9.4% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.59%
+19.4% YoY
+3.8% QoQ
|
-0.80% |
3.40%
+7.9% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
72.98%
-21.7% YoY
-9.4% QoQ
|
+16.38% |
56.60%
-3.2% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.37%
+181.2% YoY
+57.6% QoQ
|
-0.31% |
0.68%
+12.0% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
89.21%
+8.4% YoY
+3.5% QoQ
|
+3.74% |
85.47%
+1.1% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
26.51%
+8.7% YoY
-0.8% QoQ
|
+5.87% |
20.64%
-0.3% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.26%
+90.8% YoY
+58.4% QoQ
|
-0.24% |
0.50%
+7.3% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
10.62%
+1.2% YoY
-0.0% QoQ
|
-2.93% |
13.55%
+1.8% YoY
|
11.20%
+2.6% YoY
|
9.75%
-1.9% YoY
|
Bottom 11% in tier |
| Non-Interest Income / Assets ? |
1.85%
+70.7% YoY
+63.8% QoQ
|
+0.90% |
0.96%
+7.1% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 7%
in Mid-Market
Why this stands out
Current:
1.85%
(Tier avg: 0.96%, National avg: 0.65%)
Concerns (5)
Flatlined Growth
risk
#8 of 44 · Bottom 16% in Mid-Market
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.39%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Capital Constraint
risk
#3 of 9 · Bottom 25% in Mid-Market
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
89.21%
(Tier: 85.47%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
10.62%
(Tier: 13.55%, National: 9.75%)
9 of 9 Mid-Market banks match
·
57 nationally
→ Stable
-1 banks QoQ
Credit Risk Growth
risk
#23 of 87 · Bottom 26% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Capital Thin
risk
#22 of 51 · Bottom 42% in Mid-Market
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:
10.62%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
Return on Assets
metric
Bottom 9%
in Mid-Market
Why this stands out
Current:
0.39%
(Tier avg: 1.16%, National avg: 1.12%)
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
Non-Interest Income / Assets
Current: 1.85% · Tier avg: 0.96%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 26.51% · Tier avg: 20.64%
71
71th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.68%
42
42th pctile
Loan-to-Deposit Ratio
Current: 89.21% · Tier avg: 85.47%
39
39th pctile
Total Loans
Current: $5.1B · Tier avg: $7.1B
36
36th pctile
Total Assets
Current: $7.4B · Tier avg: $10.5B
34
34th pctile
Total Deposits
Current: $5.7B · Tier avg: $8.5B
17
17th pctile
Net Interest Margin
Current: 2.59% · Tier avg: 3.40%
11
11th pctile
Efficiency Ratio
Current: 72.98% · Tier avg: 56.60%
11
11th pctile
Tier 1 Capital Ratio
Current: 10.62% · Tier avg: 13.55%
9
9th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.16%
Top Weaknesses
9
9th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.16%
11
11th pctile
Tier 1 Capital Ratio
Current: 10.62% · Tier avg: 13.55%
11
11th pctile
Efficiency Ratio
Current: 72.98% · Tier avg: 56.60%
17
17th pctile
Net Interest Margin
Current: 2.59% · Tier avg: 3.40%
34
34th pctile
Total Deposits
Current: $5.7B · Tier avg: $8.5B
36
36th pctile
Total Assets
Current: $7.4B · Tier avg: $10.5B
39
39th pctile
Total Loans
Current: $5.1B · Tier avg: $7.1B
42
42th pctile
Loan-to-Deposit Ratio
Current: 89.21% · Tier avg: 85.47%
71
71th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.68%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 26.51% · Tier avg: 20.64%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
93
93th pctile
Non-Interest Income / Assets
Current: 1.85% · Tier avg: 0.96%