BlastPoint's Banking Scorecard
Norway Savings Bank
Designations: ✓ Community bank
Norway, ME
25 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 -1.1% year over year ($1.6B on the books).
- Delinquency rate 0.29%.
- Return on assets 1.28%.
- Efficiency ratio 67.44% vs a 59.73% peer average.
- Loan-to-deposit ratio 103.07% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Norway Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 18.03% above tier average
- - ROA 0.11% below tier average
- - Net Interest Margin 0.16% below tier average
- - Efficiency Ratio 7.71% 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
+4.7% YoY
+3.6% QoQ
|
-$637.7M |
$2.8B
-0.6% YoY
|
$2.2B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
53% |
| Total Loans ? |
$1.6B
+10.9% YoY
+4.7% QoQ
|
-$341.0M |
$2.0B
-0.3% YoY
|
$1.7B
+7.1% YoY
|
$3.2B
+9.4% YoY
|
57% |
| Total Deposits ? |
$1.6B
-1.1% YoY
-2.5% QoQ
|
-$744.9M |
$2.3B
-0.5% YoY
|
$1.7B
+2.6% YoY
|
$4.9B
+7.3% YoY
|
48% |
| Return on Assets ? |
1.28%
+48.6% YoY
+46.6% QoQ
|
-0.11% |
1.39%
+17.0% YoY
|
0.97%
+42.0% YoY
|
1.30%
+12.1% YoY
|
52% |
| Net Interest Margin ? |
3.72%
+14.6% YoY
+3.5% QoQ
|
-0.16% |
3.87%
+6.2% YoY
|
3.45%
+9.6% YoY
|
3.95%
+4.9% YoY
|
51% |
| Efficiency Ratio ? |
67.44%
-8.3% YoY
-0.4% QoQ
|
+7.71% |
59.73%
-12.6% YoY
|
70.51%
-8.6% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
0.29%
-57.8% YoY
+20.7% QoQ
|
-0.57% |
0.87%
+11.7% YoY
|
0.57%
+7.0% YoY
|
0.98%
+16.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
103.07%
+12.2% YoY
+7.4% QoQ
|
+18.03% |
85.04%
-0.1% YoY
|
101.71%
+3.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 9.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.81%
+3.9% YoY
+4.5% QoQ
|
+7.54% |
21.27%
-1.5% YoY
|
16.78%
+2.2% YoY
|
21.98%
-0.6% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.22%
-55.3% YoY
+22.0% QoQ
|
-0.45% |
0.67%
+11.7% YoY
|
0.49%
+14.6% YoY
|
0.69%
+15.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
14.07%
+5.4% YoY
+1.2% QoQ
|
-0.77% |
14.84%
-0.4% YoY
|
14.51%
+1.8% YoY
|
17.09%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.26%
-1.3% YoY
+101.1% QoQ
|
-0.27% |
0.53%
+2.5% YoY
|
0.26%
-0.2% YoY
|
0.66%
+5.2% YoY
|
42% |
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 |
28.8%
+1.1pp YoY +1.2pp QoQ |
+7.4pp | 21.4% | 16.8% | 22.2% | 82% |
| Brokered Deposits |
8.3%
-3.0pp YoY -1.7pp QoQ |
-1.1pp | 9.5% | 12.9% | 8.5% | 63% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.3%
-0.1pp YoY 0.0pp QoQ |
-6.7pp | 14.0% | 8.7% | 12.5% | 29% |
| CRE |
44.7%
+1.2pp YoY +0.8pp QoQ |
-5.3pp | 50.0% | 38.6% | 41.4% | 35% |
| 1-4 Family |
41.7%
-1.1pp YoY -1.1pp QoQ |
+15.2pp | 26.4% | 49.6% | 31.3% | 83% |
| Consumer |
5.7%
-0.1pp YoY +0.1pp QoQ |
+1.0pp | 4.7% | 1.9% | 5.0% | 83% |
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 |
14.1%
+0.7pp YoY +0.2pp QoQ |
+2.8pp | 11.3% | 11.6% | 12.6% | 90% |
| 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 |
335
+13 (+4.0%) YoY +19 (+6.0%) QoQ |
+21 | 313 | 259 | 482 | 70% |
| Assets per Employee ($) |
$6.4M
+0.6% YoY -2.3% QoQ |
-$4.0M | $10.5M | $8.5M | $8.8M | 17% |
| Branch Count |
25
0 YoY 0 QoQ |
+5 | 20 | 18 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.1pp | 0.2% | 0.0% | 0.4% | 57% |
| Nonaccrual |
0.3%
-0.4pp YoY 0.0pp QoQ |
-0.6pp | 0.8% | 0.6% | 1.0% | 26% |
| Allowance Coverage |
2.43x
+144.7% YoY -17.3% QoQ |
-16.28x | 18.71x | 7.67x | 20.23x | 56% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 55% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.2%
+2.7pp YoY +3.2pp QoQ |
-2.4pp | 12.6% | 8.8% | 11.6% | 35% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 2.0% | 1.7% | 30% |
| Net Income ($, YTD) |
$13.4M
+54.5% YoY — QoQ |
-$5.8M | $19.2M | $12.8M | $40.4M | 55% |
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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.