BlastPoint's Banking Scorecard
Skowhegan Savings Bank
Community
Specialty: Commercial
ME
FDIC cert 19532
Designations: ✓ Mutual
Skowhegan, ME
1484
banks in Community tier nationally
15 in ME
View Community leaderboard (ME) →
Skowhegan Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 12.57% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 22% in Community
- - Flatlined Growth: Bottom 43% in Community
- - Deposit Outflow: Bottom 46% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$842.0M
+0.1% YoY
-0.0% QoQ
|
-$549.5M |
$1.4B
+2.0% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$607.4M
+0.5% YoY
+0.4% QoQ
|
-$368.1M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$709.4M
-2.3% YoY
-1.0% QoQ
|
-$455.2M |
$1.2B
+1.7% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.09%
+26.7% YoY
-1.5% QoQ
|
-0.07% |
1.16%
+17.2% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
3.74%
+17.2% YoY
+1.5% QoQ
|
+0.08% |
3.66%
+9.1% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
73.69%
-1.6% YoY
+1.4% QoQ
|
+11.06% |
62.63%
-5.3% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.44%
+51.1% YoY
+17.3% QoQ
|
-0.19% |
0.63%
+18.3% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
85.63%
+2.8% YoY
+1.3% QoQ
|
+2.56% |
83.06%
+0.3% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
22.25%
-1.0% YoY
-5.0% QoQ
|
+1.21% |
21.05%
-0.9% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.31%
+51.7% YoY
+17.7% QoQ
|
-0.18% |
0.50%
+20.3% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
22.82%
+12.0% YoY
+5.7% QoQ
|
+12.57% |
10.24%
-0.6% YoY
|
11.20%
+2.6% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.54%
+5.7% YoY
+49.2% QoQ
|
-0.20% |
0.74%
-1.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 4%
in Community
Why this stands out
Current:
22.82%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Liquidity Overhang
risk
#60 of 268 · Bottom 22% 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:
22.82%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
85.63%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#105 of 245 · Bottom 43% in Community
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:
1.09%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Deposit Outflow
decline
#114 of 248 · Bottom 46% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 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
96
96th pctile
Tier 1 Capital Ratio
Current: 22.82% · Tier avg: 10.24%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.25% · Tier avg: 21.05%
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
53
53th pctile
Loan-to-Deposit Ratio
Current: 85.63% · Tier avg: 83.06%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
46
46th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.16%
42
42th pctile
Total Loans
Current: $607.4M · Tier avg: $975.5M
39
39th pctile
Total Deposits
Current: $709.4M · Tier avg: $1.2B
39
39th pctile
Total Assets
Current: $842.0M · Tier avg: $1.4B
19
19th pctile
Efficiency Ratio
Current: 73.69% · Tier avg: 62.63%
Top Weaknesses
19
19th pctile
Efficiency Ratio
Current: 73.69% · Tier avg: 62.63%
39
39th pctile
Total Assets
Current: $842.0M · Tier avg: $1.4B
39
39th pctile
Total Deposits
Current: $709.4M · Tier avg: $1.2B
42
42th pctile
Total Loans
Current: $607.4M · Tier avg: $975.5M
46
46th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.16%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
53
53th pctile
Loan-to-Deposit Ratio
Current: 85.63% · Tier avg: 83.06%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.25% · Tier avg: 21.05%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.82% · Tier avg: 10.24%