BlastPoint's Banking Scorecard
Rockland Savings Bank, FSB
Micro
Specialty: Commercial
ME
FDIC cert 28369
Designations: ✓ Community bank ✓ Mutual
Rockland, ME
2498
banks in Micro tier nationally
5 in ME
View Micro leaderboard (ME) →
Rockland Savings Bank, FSB faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.96% below tier
- - Efficiency Ratio 28.30% above tier
- - Loan-to-Deposit Ratio 34.07% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$93.0M
-0.8% YoY
-0.6% QoQ
|
-$124.5M |
$217.5M
+2.3% YoY
|
$2.2B
+12.4% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$78.9M
-2.2% YoY
-1.0% QoQ
|
-$60.2M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$72.7M
-2.7% YoY
-2.9% QoQ
|
-$111.0M |
$183.7M
+1.8% YoY
|
$1.7B
+10.5% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.12%
+138.3% YoY
-10.2% QoQ
|
-0.96% |
1.08%
+14.7% YoY
|
0.77%
+32.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
3.45%
+18.5% YoY
+0.9% QoQ
|
-0.40% |
3.85%
+6.6% YoY
|
3.25%
+14.4% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
96.02%
-11.8% YoY
+0.1% QoQ
|
+28.30% |
67.73%
-4.8% YoY
|
75.53%
-4.1% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.10%
-61.6% YoY
-29.6% QoQ
|
-0.54% |
0.64%
+24.4% YoY
|
0.48%
+55.6% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
108.60%
+0.5% YoY
+1.9% QoQ
|
+34.07% |
74.53%
+0.5% YoY
|
98.83%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.43%
+14.2% YoY
+6.6% QoQ
|
-2.97% |
22.39%
-1.3% YoY
|
16.71%
+2.1% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.08%
-62.2% YoY
-30.0% QoQ
|
-0.37% |
0.45%
+25.1% YoY
|
0.40%
+59.2% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
13.57%
+5.7% YoY
+1.1% QoQ
|
+4.72% |
8.85%
-3.4% YoY
|
11.20%
+2.6% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.21%
-44.6% YoY
+32.8% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.56%
+9.2% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.12%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
96.02%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
108.60%
(Tier avg: 74.53%, National avg: 78.04%)
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
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.57% · Tier avg: 8.85%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.43% · Tier avg: 22.39%
33
33th pctile
Total Loans
Current: $78.9M · Tier avg: $139.2M
31
31th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.85%
26
26th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
20
20th pctile
Total Assets
Current: $93.0M · Tier avg: $217.5M
18
18th pctile
Total Deposits
Current: $72.7M · Tier avg: $183.7M
8
8th pctile
Return on Assets
Current: 0.12% · Tier avg: 1.08%
6
6th pctile
Efficiency Ratio
Current: 96.02% · Tier avg: 67.73%
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.60% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.60% · Tier avg: 74.53%
6
6th pctile
Efficiency Ratio
Current: 96.02% · Tier avg: 67.73%
8
8th pctile
Return on Assets
Current: 0.12% · Tier avg: 1.08%
18
18th pctile
Total Deposits
Current: $72.7M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $93.0M · Tier avg: $217.5M
26
26th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
31
31th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.85%
33
33th pctile
Total Loans
Current: $78.9M · Tier avg: $139.2M
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.43% · Tier avg: 22.39%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.57% · Tier avg: 8.85%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%