BlastPoint's Banking Scorecard

Norway Savings Bank

$1B-$10B Specialty: Commercial ME FDIC cert 17658

Designations: ✓ Community bank

Norway, ME

25 branches across ME · NH

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

Norway Savings Bank has 1 strength but faces 4 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 0.65% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 46.7% in tier
- ROA 0.49% below tier average
- Net Interest Margin 0.23% below tier average
- Efficiency Ratio 6.63% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Total Assets ?	$2.1B +2.6% YoY -0.1% QoQ	-$734.9M	$2.8B -0.1% YoY	$2.2B +5.5% YoY	$6.2B +9.1% YoY	52%
Total Loans ?	$1.5B +7.6% YoY +0.9% QoQ	-$416.0M	$2.0B +0.6% YoY	$1.7B +6.5% YoY	$3.2B +10.8% YoY	55%
Total Deposits ?	$1.6B +1.5% YoY +1.2% QoQ	-$729.6M	$2.3B -0.3% YoY	$1.7B +2.2% YoY	$4.8B +8.2% YoY	48%
Return on Assets ?	0.87% +158.6% YoY -12.7% QoQ	-0.49%	1.37% +19.6% YoY	0.81% +48.6% YoY	1.23% +13.4% YoY	24%
Net Interest Margin ?	3.59% +13.2% YoY +6.5% QoQ	-0.23%	3.82% +6.9% YoY	3.42% +9.8% YoY	3.89% +5.7% YoY	47%
Efficiency Ratio ?	67.69% -10.5% YoY -7.2% QoQ	+6.63%	61.06% -4.6% YoY	70.43% -11.2% YoY	66.95% -4.1% YoY	27%
Delinquency Rate ?	0.24% -67.1% YoY -64.0% QoQ	-0.65%	0.89% +14.1% YoY	0.56% +20.7% YoY	0.95% +18.8% YoY	75%
Loan-to-Deposit Ratio ?	95.98% +5.9% YoY -0.3% QoQ	+11.78%	84.20% +0.3% YoY	100.20% +2.7% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	27.58% -0.8% YoY -1.2% QoQ	+6.29%	21.29% -2.5% YoY	16.54% +3.4% YoY	22.01% -1.2% YoY	78%
Nonperforming Asset Ratio ?	0.18% -65.5% YoY -63.7% QoQ	-0.49%	0.67% +15.6% YoY	0.47% +26.7% YoY	0.67% +19.3% YoY	76%
Tier 1 Capital Ratio ?	13.89% +5.3% YoY +1.1% QoQ	-1.27%	15.16% +2.0% YoY	14.56% +2.5% YoY	17.06% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.13% -1.4% YoY -75.7% QoQ	-0.13%	0.26% +1.6% YoY	0.13% +1.6% YoY	0.32% +4.1% YoY	44%

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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

#157 of 334 • Bottom 46.7% 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: 95.98%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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 884 peers in $1B-$10B

Top Strengths (3 metrics)

193

Non-Interest-Bearing Deposit Share

funding

Value: 27.58%

Peer Median: 21.29%

#193 of 884 Top 21.7% in $1B-$10B

217

Nonperforming Asset Ratio

credit_quality

Value: 0.18%

Peer Median: 0.67%

#217 of 884 Top 24.4% in $1B-$10B

221

Delinquency Rate

credit_quality

Value: 0.24%

Peer Median: 0.89%

#221 of 880 Top 25.0% in $1B-$10B

Top Weaknesses (2 metrics)

691

Loan-to-Deposit Ratio

liquidity

Value: 95.98%

Peer Median: 84.20%

#691 of 884 Bottom 21.9% in $1B-$10B

673

Return on Assets

profitability

Value: 0.87%

Peer Median: 1.37%

#673 of 884 Bottom 24.0% in $1B-$10B