BlastPoint's Banking Scorecard

Maine Community Bank

$1B-$10B Specialty: Commercial ME FDIC cert 17741

Designations: ✓ Community bank

Portland, ME

23 branches across ME

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

Maine Community Bank has 1 strength but faces 7 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 0.44% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 15.6% in tier
- Credit Risk Growth: Bottom 30.3% in tier
- Capital Thin: Bottom 33.0% in tier
- Loan-to-Deposit Ratio 20.63% above tier average
- ROA 0.39% below tier average
- Net Interest Margin 0.24% below tier average
- Efficiency Ratio 3.62% above tier average

Get updates when Maine Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Total Assets ?	$2.9B +7.1% YoY +1.4% QoQ	+$77.1M	$2.8B -0.1% YoY	$2.2B +5.5% YoY	$6.2B +9.0% YoY	68%
Total Loans ?	$2.4B +7.9% YoY +0.8% QoQ	+$414.7M	$2.0B +0.6% YoY	$1.7B +6.5% YoY	$3.2B +10.7% YoY	75%
Total Deposits ?	$2.3B +0.0% YoY -0.8% QoQ	-$73.8M	$2.3B -0.3% YoY	$1.7B +2.2% YoY	$4.8B +8.0% YoY	66%
Return on Assets ?	0.98% +53.1% YoY +39.1% QoQ	-0.39%	1.37% +19.6% YoY	0.81% +48.6% YoY	1.24% +13.1% YoY	31%
Net Interest Margin ?	3.58% -26.9% YoY -13.0% QoQ	-0.24%	3.82% +6.9% YoY	3.42% +9.8% YoY	3.89% +5.7% YoY	46%
Efficiency Ratio ?	64.67% -30.3% YoY -16.8% QoQ	+3.62%	61.05% -4.6% YoY	70.43% -11.2% YoY	66.84% -3.8% YoY	35%
Delinquency Rate ?	0.45% +0.8% YoY -22.1% QoQ	-0.44%	0.89% +14.1% YoY	0.56% +20.7% YoY	0.95% +18.8% YoY	57%
Loan-to-Deposit Ratio ?	104.83% +7.9% YoY +1.6% QoQ	+20.63%	84.20% +0.3% YoY	100.20% +2.7% YoY	76.69% +0.9% YoY	Bottom 7.5% in tier
Non-Interest-Bearing Deposit Share ?	19.22% +1.6% YoY -2.5% QoQ	-2.06%	21.28% -2.5% YoY	16.54% +3.4% YoY	22.01% -1.1% YoY	47%
Nonperforming Asset Ratio ?	0.46% +26.7% YoY -3.4% QoQ	-0.21%	0.67% +15.6% YoY	0.47% +26.7% YoY	0.66% +19.3% YoY	48%
Tier 1 Capital Ratio ?	9.96% +3.6% YoY +0.8% QoQ	-5.20%	15.17% +2.0% YoY	14.56% +2.5% YoY	17.06% +0.8% YoY	Bottom 4.5% in tier
Non-Interest Income / Assets ?	0.10% +1.2% YoY -75.0% QoQ	-0.16%	0.26% +1.6% YoY	0.13% +1.6% YoY	0.32% +4.0% YoY	31%

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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 (3)

Credit Quality Pressure

risk

#81 of 512 • Bottom 15.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.45%

(Tier: 0.89%, National: 0.95%)

better than tier avg

512 of 512 Mid-Market banks match · 1896 nationally

→ Stable +4 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#128 of 419 • Bottom 30.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

419 of 419 Mid-Market banks match · 1462 nationally

→ Stable -11 banks QoQ | QoQ rank improving

Capital Thin

risk

#74 of 221 • Bottom 33.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.96%

(Tier: 15.17%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 925 nationally

→ Stable +3 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 883 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

844

Tier 1 Capital Ratio

capital

Value: 9.96%

Peer Median: 15.17%

#844 of 883 Bottom 4.5% in $1B-$10B

818

Loan-to-Deposit Ratio

liquidity

Value: 104.83%

Peer Median: 84.20%

#818 of 883 Bottom 7.5% in $1B-$10B