BlastPoint's Banking Scorecard
Partners Bank of New England
Designations: ✓ Community bank
Sanford, ME
11 branches across ME · NH
Partners Bank of New England has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.80% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 38.0% in tier
- - Liquidity Strain: Bottom 45.2% in tier
- - ROA 0.42% below tier average
- - Net Interest Margin 0.45% below tier average
- - Efficiency Ratio 13.90% 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
+0.8% YoY
+0.7% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$2.2B
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 7.6% in tier |
| Total Loans ? |
$869.2M
-0.2% YoY
+1.2% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$1.7B
+6.5% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$809.2M
+0.8% YoY
-1.0% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$1.7B
+2.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.5% in tier |
| Return on Assets ? |
0.94%
+72.5% YoY
+8.1% QoQ
|
-0.42% |
1.37%
+19.6% YoY
|
0.81%
+48.6% YoY
|
1.23%
+13.4% YoY
|
29% |
| Net Interest Margin ? |
3.37%
+15.4% YoY
+7.4% QoQ
|
-0.45% |
3.82%
+6.9% YoY
|
3.42%
+9.8% YoY
|
3.89%
+5.7% YoY
|
33% |
| Efficiency Ratio ? |
74.96%
-8.9% YoY
-2.2% QoQ
|
+13.90% |
61.06%
-4.6% YoY
|
70.43%
-11.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.8% in tier |
| Delinquency Rate ? |
0.09%
-69.4% YoY
-55.7% QoQ
|
-0.80% |
0.89%
+14.1% YoY
|
0.56%
+20.7% YoY
|
0.95%
+18.8% YoY
|
Top 10.7% in tier |
| Loan-to-Deposit Ratio ? |
107.41%
-1.0% YoY
+2.2% QoQ
|
+23.20% |
84.20%
+0.3% YoY
|
100.20%
+2.7% YoY
|
76.70%
+0.9% YoY
|
Bottom 5.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.24%
-1.5% YoY
-0.9% QoQ
|
-11.05% |
21.29%
-2.5% YoY
|
16.54%
+3.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 12.3% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-69.7% YoY
-55.5% QoQ
|
-0.60% |
0.67%
+15.6% YoY
|
0.47%
+26.7% YoY
|
0.67%
+19.3% YoY
|
Top 10.3% in tier |
| Tier 1 Capital Ratio ? |
14.66%
+7.2% YoY
+0.8% QoQ
|
-0.50% |
15.16%
+2.0% YoY
|
14.56%
+2.5% YoY
|
17.06%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.07%
+8.7% YoY
-78.4% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.13%
+1.6% YoY
|
0.32%
+4.1% YoY
|
20% |
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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)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.