BlastPoint's Banking Scorecard

Partners Bank of New England

$1B-$10B Specialty: Commercial ME FDIC cert 17115

Designations: ✓ Community bank

Sanford, ME

11 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 +3.4% year over year ($847.0M on the books).
Delinquency rate 0.04%.
Return on assets 1.41%.
Efficiency ratio 75.22% vs a 59.73% peer average.
Loan-to-deposit ratio 104.55% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 15 in ME

View $1B-$10B leaderboard (ME) →

Partners Bank of New England has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.83% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 48.5% in tier
- Net Interest Margin 0.45% below tier average
- Efficiency Ratio 15.49% above tier average

Get updates when Partners Bank of New England releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Total Assets ?	$1.1B +0.8% YoY +1.4% QoQ	-$1.7B	$2.8B -0.6% YoY	$2.2B +6.4% YoY	$6.3B +7.7% YoY	Bottom 9.2% in tier
Total Loans ?	$885.5M +1.2% YoY +1.9% QoQ	-$1.1B	$2.0B -0.3% YoY	$1.7B +7.1% YoY	$3.2B +9.4% YoY	22%
Total Deposits ?	$847.0M +3.4% YoY +4.7% QoQ	-$1.5B	$2.3B -0.5% YoY	$1.7B +2.6% YoY	$4.9B +7.3% YoY	Bottom 3.5% in tier
Return on Assets ?	1.41% +98.3% YoY +50.1% QoQ	+0.02%	1.39% +17.0% YoY	0.97% +42.0% YoY	1.30% +12.1% YoY	63%
Net Interest Margin ?	3.42% +15.2% YoY +1.5% QoQ	-0.45%	3.87% +6.2% YoY	3.45% +9.6% YoY	3.95% +4.9% YoY	32%
Efficiency Ratio ?	75.22% -5.3% YoY +0.3% QoQ	+15.49%	59.73% -12.6% YoY	70.51% -8.6% YoY	70.05% +2.5% YoY	Bottom 12.0% in tier
Delinquency Rate ?	0.04% -86.3% YoY -54.9% QoQ	-0.83%	0.87% +11.7% YoY	0.57% +7.0% YoY	0.98% +16.3% YoY	Top 7.0% in tier
Loan-to-Deposit Ratio ?	104.55% -2.1% YoY -2.7% QoQ	+19.51%	85.04% -0.1% YoY	101.71% +3.8% YoY	79.03% +2.3% YoY	Bottom 7.9% in tier
Non-Interest-Bearing Deposit Share ?	10.88% -7.2% YoY +6.2% QoQ	-10.40%	21.27% -1.5% YoY	16.78% +2.2% YoY	21.98% -0.6% YoY	Bottom 12.3% in tier
Nonperforming Asset Ratio ?	0.03% -86.2% YoY -54.7% QoQ	-0.64%	0.67% +11.7% YoY	0.49% +14.6% YoY	0.69% +15.8% YoY	Top 7.5% in tier
Tier 1 Capital Ratio ?	14.68% +6.9% YoY +0.1% QoQ	-0.16%	14.84% -0.4% YoY	14.51% +1.8% YoY	17.09% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.15% -7.5% YoY +108.4% QoQ	-0.38%	0.53% +2.5% YoY	0.26% -0.2% YoY	0.66% +5.2% YoY	19%

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	10.9% -0.8pp YoY +0.6pp QoQ	-10.5pp	21.4%	16.8%	22.2%	12%
Brokered Deposits	6.3% -0.6pp YoY +0.1pp QoQ	-3.1pp	9.5%	12.9%	8.5%	55%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
C&I	4.2% -0.3pp YoY -0.2pp QoQ	-9.8pp	14.0%	8.7%	12.5%	15%
CRE	39.1% +5.9pp YoY +3.5pp QoQ	-10.9pp	50.0%	38.6%	41.4%	22%
1-4 Family	57.0% -5.6pp YoY -3.4pp QoQ	+30.6pp	26.4%	49.6%	31.3%	93%
Consumer	0.6% -0.1pp YoY 0.0pp QoQ	-4.1pp	4.7%	1.9%	5.0%	34%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
CET1 Ratio	14.7% +1.0pp YoY 0.0pp QoQ	-0.9pp	15.6%	15.4%	19.7%	66%
Leverage Ratio	11.0% +1.1pp YoY +0.3pp QoQ	-0.3pp	11.3%	11.6%	12.6%	60%
Total Capital Ratio	15.8% +1.0pp YoY 0.0pp QoQ	-0.9pp	16.7%	16.4%	20.8%	67%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Full-Time Employees	142 +5 (+3.6%) YoY 0 QoQ	-172	313	259	482	20%
Assets per Employee ($)	$7.7M -2.8% YoY +1.4% QoQ	-$2.8M	$10.5M	$8.5M	$8.8M	34%
Branch Count	11 0 YoY 0 QoQ	-9	20	18	18	35%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.0%	0.4%	n/a
Nonaccrual	0.0% -0.2pp YoY 0.0pp QoQ	-0.8pp	0.8%	0.6%	1.0%	4%
Allowance Coverage	24.81x +662.9% YoY +123.4% QoQ	+6.10x	18.71x	7.67x	20.23x	95%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	19%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
ROE	14.0% +6.0pp YoY +4.6pp QoQ	+1.4pp	12.6%	8.8%	11.6%	66%
Cost of Funds (YTD)	1.9% -0.3pp YoY 0.0pp QoQ	0.0pp	1.9%	2.0%	1.7%	52%
Net Income ($, YTD)	$7.6M +100.7% YoY — QoQ	-$11.6M	$19.2M	$12.8M	$40.4M	28%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#176 of 361 • Bottom 48.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 104.55%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.87%

#63 of 882 Top 7.0% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.67%

#67 of 885 Top 7.5% in $1B-$10B

Top Weaknesses (7 metrics)

855

Total Deposits

size

Value: $846.97M

Peer Median: $2.32B

#855 of 885 Bottom 3.5% in $1B-$10B

816

Loan-to-Deposit Ratio

liquidity

Value: 104.55%

Peer Median: 85.04%

#816 of 885 Bottom 7.9% in $1B-$10B

805

Total Assets

size

Value: $1.09B

Peer Median: $2.79B

#805 of 885 Bottom 9.2% in $1B-$10B

780

Efficiency Ratio

profitability

Value: 75.22%

Peer Median: 59.73%

#780 of 885 Bottom 12.0% in $1B-$10B

777

Non-Interest-Bearing Deposit Share

funding

Value: 10.88%

Peer Median: 21.27%

#777 of 885 Bottom 12.3% in $1B-$10B

715

Non-Interest Income / Assets

revenue_mix

Value: 0.15%

Peer Median: 0.53%

#715 of 885 Bottom 19.3% in $1B-$10B

688

Total Loans

size

Value: $885.48M

Peer Median: $1.96B

#688 of 885 Bottom 22.4% in $1B-$10B