BlastPoint's Banking Scorecard
Katahdin Trust Company
Designations: ✓ Community bank
Patten, ME
17 branches across ME
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 15 in ME.
- Deposits +3.3% year over year ($965.9M on the books).
- Delinquency rate 0.49%.
- Return on assets 0.90%.
- Efficiency ratio 68.38% vs a 59.73% peer average.
- Loan-to-deposit ratio 95.43% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Katahdin Trust Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.07% above tier average
- + Delinquency Rate 0.38% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency Ratio 8.65% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+6.7% YoY
+4.1% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$2.2B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.0% in tier |
| Total Loans ? |
$921.7M
+9.9% YoY
+5.3% QoQ
|
-$1.0B |
$2.0B
-0.3% YoY
|
$1.7B
+7.1% YoY
|
$3.2B
+9.4% YoY
|
27% |
| Total Deposits ? |
$965.9M
+3.3% YoY
+1.3% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$1.7B
+2.6% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.5% in tier |
| Return on Assets ? |
0.90%
-4.6% YoY
-2.8% QoQ
|
-0.50% |
1.39%
+17.0% YoY
|
0.97%
+42.0% YoY
|
1.30%
+12.1% YoY
|
23% |
| Net Interest Margin ? |
3.94%
+3.5% YoY
+0.1% QoQ
|
+0.07% |
3.87%
+6.2% YoY
|
3.45%
+9.6% YoY
|
3.95%
+4.9% YoY
|
64% |
| Efficiency Ratio ? |
68.38%
-4.5% YoY
-1.0% QoQ
|
+8.65% |
59.73%
-12.6% YoY
|
70.51%
-8.6% YoY
|
70.05%
+2.5% YoY
|
24% |
| Delinquency Rate ? |
0.49%
+193.3% YoY
-7.0% QoQ
|
-0.38% |
0.87%
+11.7% YoY
|
0.57%
+7.0% YoY
|
0.98%
+16.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
95.43%
+6.4% YoY
+4.0% QoQ
|
+10.40% |
85.04%
-0.1% YoY
|
101.71%
+3.8% YoY
|
79.03%
+2.3% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
20.78%
-4.9% YoY
-2.2% QoQ
|
-0.50% |
21.27%
-1.5% YoY
|
16.78%
+2.2% YoY
|
21.98%
-0.6% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.39%
+202.2% YoY
-5.8% QoQ
|
-0.29% |
0.67%
+11.7% YoY
|
0.49%
+14.6% YoY
|
0.69%
+15.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
12.71%
-4.1% YoY
-4.9% QoQ
|
-2.13% |
14.84%
-0.4% YoY
|
14.51%
+1.8% YoY
|
17.09%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.23%
-3.3% YoY
+89.2% QoQ
|
-0.30% |
0.53%
+2.5% YoY
|
0.26%
-0.2% YoY
|
0.66%
+5.2% YoY
|
36% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.8%
-1.1pp YoY -0.5pp QoQ |
-0.6pp | 21.4% | 16.8% | 22.2% | 55% |
| Brokered Deposits |
16.2%
+0.7pp YoY +0.8pp QoQ |
+6.7pp | 9.5% | 12.9% | 8.5% | 84% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.4%
-1.3pp YoY -0.3pp QoQ |
+3.4pp | 14.0% | 8.7% | 12.5% | 74% |
| CRE |
51.0%
+0.3pp YoY +0.1pp QoQ |
+1.0pp | 50.0% | 38.6% | 41.4% | 54% |
| 1-4 Family |
28.9%
+0.2pp YoY +0.2pp QoQ |
+2.5pp | 26.4% | 49.6% | 31.3% | 64% |
| Consumer |
0.4%
-0.1pp YoY 0.0pp QoQ |
-4.3pp | 4.7% | 1.9% | 5.0% | 27% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.7%
-0.5pp YoY -0.7pp QoQ |
-2.9pp | 15.6% | 15.4% | 19.7% | 37% |
| Leverage Ratio |
10.0%
+0.2pp YoY -0.1pp QoQ |
-1.3pp | 11.3% | 11.6% | 12.6% | 36% |
| Total Capital Ratio |
13.8%
-0.5pp YoY -0.6pp QoQ |
-2.9pp | 16.7% | 16.4% | 20.8% | 36% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
187
+13 (+7.5%) YoY +8 (+4.5%) QoQ |
-127 | 313 | 259 | 482 | 36% |
| Assets per Employee ($) |
$6.2M
-0.7% YoY -0.4% QoQ |
-$4.3M | $10.5M | $8.5M | $8.8M | 14% |
| Branch Count |
17
0 YoY 0 QoQ |
-3 | 20 | 18 | 18 | 57% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.2pp | 0.2% | 0.0% | 0.4% | 17% |
| Nonaccrual |
0.5%
+0.3pp YoY 0.0pp QoQ |
-0.3pp | 0.8% | 0.6% | 1.0% | 48% |
| Allowance Coverage |
2.00x
-66.5% YoY +9.2% QoQ |
-16.71x | 18.71x | 7.67x | 20.23x | 49% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 61% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.3%
-1.0pp YoY -0.2pp QoQ |
-3.3pp | 12.6% | 8.8% | 11.6% | 27% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY +0.1pp QoQ |
-0.3pp | 1.9% | 2.0% | 1.7% | 28% |
| Net Income ($, YTD) |
$5.1M
-0.2% YoY — QoQ |
-$14.2M | $19.2M | $12.8M | $40.4M | 12% |
Get Full Access to Katahdin Trust Company
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.