BlastPoint's Banking Scorecard
Katahdin Trust Company
Designations: ✓ Community bank
Patten, ME
17 branches across ME
Katahdin Trust Company has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.11% above tier average
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 14.1% in tier
- - Credit Risk Growth: Bottom 31.2% in tier
- - ROA 0.44% below tier average
- - Efficiency Ratio 7.98% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+3.1% YoY
-0.6% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$2.2B
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.5% in tier |
| Total Loans ? |
$875.0M
+3.6% YoY
+1.8% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$1.7B
+6.5% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$953.2M
+2.5% YoY
-1.0% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$1.7B
+2.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 11.4% in tier |
| Return on Assets ? |
0.92%
+0.9% YoY
-8.9% QoQ
|
-0.44% |
1.37%
+19.6% YoY
|
0.81%
+48.6% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
3.93%
+4.5% YoY
+0.7% QoQ
|
+0.11% |
3.82%
+6.9% YoY
|
3.42%
+9.8% YoY
|
3.89%
+5.7% YoY
|
68% |
| Efficiency Ratio ? |
69.04%
-4.3% YoY
-0.4% QoQ
|
+7.98% |
61.06%
-4.6% YoY
|
70.43%
-11.2% YoY
|
66.95%
-4.1% YoY
|
25% |
| Delinquency Rate ? |
0.52%
+214.3% YoY
-25.8% QoQ
|
-0.37% |
0.89%
+14.1% YoY
|
0.56%
+20.7% YoY
|
0.95%
+18.8% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
91.79%
+1.0% YoY
+2.8% QoQ
|
+7.59% |
84.20%
+0.3% YoY
|
100.20%
+2.7% YoY
|
76.70%
+0.9% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
21.25%
+2.9% YoY
-4.6% QoQ
|
-0.04% |
21.29%
-2.5% YoY
|
16.54%
+3.4% YoY
|
22.01%
-1.2% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.41%
+215.7% YoY
-24.0% QoQ
|
-0.26% |
0.67%
+15.6% YoY
|
0.47%
+26.7% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
13.37%
-7.0% YoY
-0.7% QoQ
|
-1.79% |
15.16%
+2.0% YoY
|
14.56%
+2.5% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.12%
-7.5% YoY
-74.0% QoQ
|
-0.14% |
0.26%
+1.6% YoY
|
0.13%
+1.6% YoY
|
0.32%
+4.1% YoY
|
40% |
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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 (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.