BlastPoint's Banking Scorecard
Kennebunk Savings Bank
Designations: ✓ Community bank
Kennebunk, ME
17 branches across ME · NH
Kennebunk Savings Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 11.8% in tier
- + Non-Interest-Bearing Deposit Share 20.91% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12.3% in tier
- - Loan-to-Deposit Ratio 18.14% above tier average
- - ROA 0.48% below tier average
- - Net Interest Margin 0.19% below tier average
- - Efficiency Ratio 9.17% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+10.5% YoY
+4.3% QoQ
|
-$716.2M |
$2.8B
-0.1% YoY
|
$2.2B
+5.5% YoY
|
$6.2B
+9.1% YoY
|
53% |
| Total Loans ? |
$1.7B
+12.9% YoY
+4.7% QoQ
|
-$256.9M |
$2.0B
+0.6% YoY
|
$1.7B
+6.5% YoY
|
$3.2B
+10.8% YoY
|
60% |
| Total Deposits ? |
$1.7B
+3.6% YoY
+2.5% QoQ
|
-$674.6M |
$2.3B
-0.3% YoY
|
$1.7B
+2.2% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
0.88%
+53.9% YoY
+16.9% QoQ
|
-0.48% |
1.37%
+19.6% YoY
|
0.81%
+48.6% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
3.63%
+7.9% YoY
+1.4% QoQ
|
-0.19% |
3.82%
+6.9% YoY
|
3.42%
+9.8% YoY
|
3.89%
+5.7% YoY
|
49% |
| Efficiency Ratio ? |
70.23%
-11.2% YoY
-4.7% QoQ
|
+9.17% |
61.06%
-4.6% YoY
|
70.43%
-11.2% YoY
|
66.95%
-4.1% YoY
|
23% |
| Delinquency Rate ? |
0.16%
+127.9% YoY
+6.5% QoQ
|
-0.73% |
0.89%
+14.1% YoY
|
0.56%
+20.7% YoY
|
0.95%
+18.8% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
102.35%
+8.9% YoY
+2.1% QoQ
|
+18.14% |
84.20%
+0.3% YoY
|
100.20%
+2.7% YoY
|
76.70%
+0.9% YoY
|
Bottom 9.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
42.20%
+2.4% YoY
-1.9% QoQ
|
+20.91% |
21.29%
-2.5% YoY
|
16.54%
+3.4% YoY
|
22.01%
-1.2% YoY
|
Top 3.8% in tier |
| Nonperforming Asset Ratio ? |
0.13%
+132.9% YoY
+6.9% QoQ
|
-0.55% |
0.67%
+15.6% YoY
|
0.47%
+26.7% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
10.80%
-0.6% YoY
-0.9% QoQ
|
-4.36% |
15.16%
+2.0% YoY
|
14.56%
+2.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 13.9% in tier |
| Non-Interest Income / Assets ? |
0.16%
+5.0% YoY
-74.1% QoQ
|
-0.09% |
0.26%
+1.6% YoY
|
0.13%
+1.6% YoY
|
0.32%
+4.1% YoY
|
59% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.