BlastPoint's Banking Scorecard
Auburn Savings Bank, FSB
Micro
Specialty: Mortgage
ME
FDIC cert 28288
Designations: ✓ Community bank
Auburn, ME
2498
banks in Micro tier nationally
5 in ME
View Micro leaderboard (ME) →
Auburn Savings Bank, FSB demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 35.23% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$102.2M
-0.1% YoY
+0.6% QoQ
|
-$115.3M |
$217.5M
+2.3% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$82.9M
+0.7% YoY
+0.7% QoQ
|
-$56.3M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$75.5M
+1.2% YoY
+1.6% QoQ
|
-$108.1M |
$183.7M
+1.8% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
0.35%
+6.8% QoQ
|
-0.74% |
1.08%
+14.7% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
2.87%
+10.6% YoY
+1.8% QoQ
|
-0.98% |
3.85%
+6.6% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
85.21%
-15.7% YoY
-1.2% QoQ
|
+17.48% |
67.73%
-4.8% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
109.75%
-0.6% YoY
-0.9% QoQ
|
+35.23% |
74.53%
+0.5% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.74%
-6.5% YoY
-0.3% QoQ
|
-7.65% |
22.39%
-1.3% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
12.43%
+5.1% YoY
+0.2% QoQ
|
+3.57% |
8.85%
-3.4% YoY
|
11.20%
+2.6% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.38%
+3.1% YoY
+36.3% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
109.75%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
97
97th pctile
Loan-to-Deposit Ratio
Current: 109.75% · Tier avg: 74.53%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.43% · Tier avg: 8.85%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
35
35th pctile
Total Loans
Current: $82.9M · Tier avg: $139.2M
23
23th pctile
Total Assets
Current: $102.2M · Tier avg: $217.5M
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.74% · Tier avg: 22.39%
20
20th pctile
Total Deposits
Current: $75.5M · Tier avg: $183.7M
13
13th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.08%
13
13th pctile
Efficiency Ratio
Current: 85.21% · Tier avg: 67.73%
12
12th pctile
Net Interest Margin
Current: 2.87% · Tier avg: 3.85%
Top Weaknesses
12
12th pctile
Net Interest Margin
Current: 2.87% · Tier avg: 3.85%
13
13th pctile
Efficiency Ratio
Current: 85.21% · Tier avg: 67.73%
13
13th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.08%
20
20th pctile
Total Deposits
Current: $75.5M · Tier avg: $183.7M
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.74% · Tier avg: 22.39%
23
23th pctile
Total Assets
Current: $102.2M · Tier avg: $217.5M
35
35th pctile
Total Loans
Current: $82.9M · Tier avg: $139.2M
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.43% · Tier avg: 8.85%
97
97th pctile
Loan-to-Deposit Ratio
Current: 109.75% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%