BlastPoint's Banking Scorecard
Kennebunk Savings Bank
Designations: ✓ Community bank
Kennebunk, ME
17 branches across ME · NH
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 +2.2% year over year ($1.7B on the books).
- Delinquency rate 0.10%.
- Return on assets 0.88%.
- Efficiency ratio 68.64% vs a 59.73% peer average.
- Loan-to-deposit ratio 105.95% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Kennebunk Savings Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 20.95% above tier average
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 20.92% above tier average
- - ROA 0.51% below tier average
- - Net Interest Margin 0.23% below tier average
- - Efficiency Ratio 8.92% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+12.4% YoY
+3.3% QoQ
|
-$620.7M |
$2.8B
-0.6% YoY
|
$2.2B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
54% |
| Total Loans ? |
$1.8B
+15.3% YoY
+4.1% QoQ
|
-$184.5M |
$2.0B
-0.3% YoY
|
$1.7B
+7.1% YoY
|
$3.2B
+9.4% YoY
|
62% |
| Total Deposits ? |
$1.7B
+2.2% YoY
+0.6% QoQ
|
-$640.1M |
$2.3B
-0.5% YoY
|
$1.7B
+2.6% YoY
|
$4.9B
+7.3% YoY
|
51% |
| Return on Assets ? |
0.88%
+41.3% YoY
-0.4% QoQ
|
-0.51% |
1.39%
+17.0% YoY
|
0.97%
+42.0% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
3.64%
+6.9% YoY
+0.4% QoQ
|
-0.23% |
3.87%
+6.2% YoY
|
3.45%
+9.6% YoY
|
3.95%
+4.9% YoY
|
46% |
| Efficiency Ratio ? |
68.64%
-11.9% YoY
-2.3% QoQ
|
+8.92% |
59.73%
-12.6% YoY
|
70.51%
-8.6% YoY
|
70.05%
+2.5% YoY
|
23% |
| Delinquency Rate ? |
0.10%
-34.0% YoY
-32.7% QoQ
|
-0.76% |
0.87%
+11.7% YoY
|
0.57%
+7.0% YoY
|
0.98%
+16.3% YoY
|
Top 12.6% in tier |
| Loan-to-Deposit Ratio ? |
105.95%
+12.8% YoY
+3.5% QoQ
|
+20.92% |
85.04%
-0.1% YoY
|
101.71%
+3.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 6.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
42.22%
-1.1% YoY
+0.1% QoQ
|
+20.95% |
21.27%
-1.5% YoY
|
16.78%
+2.2% YoY
|
21.98%
-0.6% YoY
|
Top 3.6% in tier |
| Nonperforming Asset Ratio ? |
0.09%
-32.2% YoY
-32.2% QoQ
|
-0.59% |
0.67%
+11.7% YoY
|
0.49%
+14.6% YoY
|
0.69%
+15.8% YoY
|
Top 13.6% in tier |
| Tier 1 Capital Ratio ? |
10.56%
-2.7% YoY
-2.1% QoQ
|
-4.29% |
14.84%
-0.4% YoY
|
14.51%
+1.8% YoY
|
17.09%
+0.8% YoY
|
Bottom 11.3% in tier |
| Non-Interest Income / Assets ? |
0.31%
+1.5% YoY
+90.9% QoQ
|
-0.22% |
0.53%
+2.5% YoY
|
0.26%
-0.2% YoY
|
0.66%
+5.2% YoY
|
55% |
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 |
42.2%
-0.5pp YoY 0.0pp QoQ |
+20.9pp | 21.4% | 16.8% | 22.2% | 96% |
| Brokered Deposits | n/a | n/a | 9.5% | 12.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.8%
+0.9pp YoY -0.3pp QoQ |
-8.2pp | 14.0% | 8.7% | 12.5% | 22% |
| CRE |
66.8%
+1.9pp YoY +0.9pp QoQ |
+16.7pp | 50.0% | 38.6% | 41.4% | 85% |
| 1-4 Family |
28.0%
-2.7pp YoY -0.6pp QoQ |
+1.6pp | 26.4% | 49.6% | 31.3% | 61% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 1.9% | 5.0% | 7% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
10.6%
-0.3pp YoY -0.2pp QoQ |
-0.8pp | 11.3% | 11.6% | 12.6% | 51% |
| Total Capital Ratio | n/a | n/a | 16.7% | 16.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
311
-6 (-1.9%) YoY +10 (+3.3%) QoQ |
-3 | 313 | 259 | 482 | 67% |
| Assets per Employee ($) |
$7.0M
+14.5% YoY 0.0% QoQ |
-$3.5M | $10.5M | $8.5M | $8.8M | 24% |
| Branch Count |
17
0 YoY 0 QoQ |
-3 | 20 | 18 | 18 | 57% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.0% | 0.4% | 28% |
| Nonaccrual |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.7pp | 0.8% | 0.6% | 1.0% | 10% |
| Allowance Coverage |
10.60x
+53.4% YoY +50.3% QoQ |
-8.11x | 18.71x | 7.67x | 20.23x | 90% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 26% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.9%
+2.5pp YoY 0.0pp QoQ |
-2.7pp | 12.6% | 8.8% | 11.6% | 32% |
| Cost of Funds (YTD) |
1.6%
+0.1pp YoY +0.1pp QoQ |
-0.3pp | 1.9% | 2.0% | 1.7% | 29% |
| Net Income ($, YTD) |
$9.2M
+55.9% YoY — QoQ |
-$10.0M | $19.2M | $12.8M | $40.4M | 35% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.