BlastPoint's Banking Scorecard
Northeast Bank
Community
Specialty: Commercial
ME
FDIC cert 19690
Portland, ME
1484
banks in Community tier nationally
15 in ME
View Community leaderboard (ME) →
Northeast Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.84% above tier
- + Net Interest Margin 0.99% above tier
- + Efficiency Ratio 24.37% below tier
- + Loan-to-Deposit Ratio 30.23% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 16.68% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.9B
+21.2% YoY
+18.6% QoQ
|
+$3.6B |
$1.4B
+2.0% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$4.4B
+22.1% YoY
+17.6% QoQ
|
+$3.4B |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$3.9B
+21.5% YoY
+17.2% QoQ
|
+$2.7B |
$1.2B
+1.7% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
2.01%
+0.3% YoY
-5.0% QoQ
|
+0.84% |
1.16%
+17.2% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.65%
-4.7% YoY
-3.8% QoQ
|
+0.99% |
3.66%
+9.1% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
38.26%
-4.5% YoY
+1.7% QoQ
|
-24.37% |
62.63%
-5.3% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.81%
-3.4% YoY
-10.7% QoQ
|
+0.18% |
0.63%
+18.3% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
113.29%
+0.5% YoY
+0.4% QoQ
|
+30.23% |
83.06%
+0.3% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.37%
-12.7% YoY
-8.5% QoQ
|
-16.68% |
21.05%
-0.9% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.73%
-4.4% YoY
-13.0% QoQ
|
+0.23% |
0.50%
+20.3% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
12.47%
-1.5% YoY
-10.0% QoQ
|
+2.23% |
10.24%
-0.6% YoY
|
11.20%
+2.6% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.46%
+36.4% YoY
-3.8% QoQ
|
-0.28% |
0.74%
-1.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 9%
in Community
Why this stands out
Current:
2.01%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Top 10%
in Community
Why this stands out
Current:
4.65%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 4%
in Community
Why this stands out
Current:
38.26%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
113.29%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Community
Why this stands out
Current:
4.37%
(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
100
100th pctile
Total Assets
Current: $4.9B · Tier avg: $1.4B
100
100th pctile
Total Loans
Current: $4.4B · Tier avg: $975.5M
99
99th pctile
Total Deposits
Current: $3.9B · Tier avg: $1.2B
97
97th pctile
Loan-to-Deposit Ratio
Current: 113.29% · Tier avg: 83.06%
96
96th pctile
Efficiency Ratio
Current: 38.26% · Tier avg: 62.63%
91
91th pctile
Return on Assets
Current: 2.01% · Tier avg: 1.16%
90
90th pctile
Net Interest Margin
Current: 4.65% · Tier avg: 3.66%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.47% · Tier avg: 10.24%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
32
32th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.63%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.50%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 4.37% · Tier avg: 21.05%
Top Weaknesses
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 4.37% · Tier avg: 21.05%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.50%
32
32th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.63%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.47% · Tier avg: 10.24%
90
90th pctile
Net Interest Margin
Current: 4.65% · Tier avg: 3.66%
91
91th pctile
Return on Assets
Current: 2.01% · Tier avg: 1.16%
96
96th pctile
Efficiency Ratio
Current: 38.26% · Tier avg: 62.63%
97
97th pctile
Loan-to-Deposit Ratio
Current: 113.29% · Tier avg: 83.06%
99
99th pctile
Total Deposits
Current: $3.9B · Tier avg: $1.2B
100
100th pctile
Total Loans
Current: $4.4B · Tier avg: $975.5M
100
100th pctile
Total Assets
Current: $4.9B · Tier avg: $1.4B