BlastPoint's Banking Scorecard
Maine Community Bank
Designations: ✓ Community bank
Portland, ME
23 branches across ME
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 +2.0% year over year ($2.3B on the books).
- Delinquency rate 0.47%.
- Return on assets 1.17%.
- Efficiency ratio 62.61% vs a 59.73% peer average.
- Loan-to-deposit ratio 106.87% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Maine Community Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.40% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 41.4% in tier
- - Loan-to-Deposit Ratio 21.83% above tier average
- - ROA 0.22% below tier average
- - Net Interest Margin 0.24% below tier average
- - Efficiency Ratio 2.88% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+8.2% YoY
+3.1% QoQ
|
+$190.3M |
$2.8B
-0.6% YoY
|
$2.2B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$2.5B
+8.6% YoY
+3.2% QoQ
|
+$493.3M |
$2.0B
-0.3% YoY
|
$1.7B
+7.1% YoY
|
$3.2B
+9.4% YoY
|
76% |
| Total Deposits ? |
$2.3B
+2.0% YoY
+1.2% QoQ
|
-$20.2M |
$2.3B
-0.5% YoY
|
$1.7B
+2.6% YoY
|
$4.9B
+7.3% YoY
|
66% |
| Return on Assets ? |
1.17%
+44.9% YoY
+19.6% QoQ
|
-0.22% |
1.39%
+17.0% YoY
|
0.97%
+42.0% YoY
|
1.30%
+12.1% YoY
|
42% |
| Net Interest Margin ? |
3.63%
-17.9% YoY
+1.5% QoQ
|
-0.24% |
3.87%
+6.2% YoY
|
3.45%
+9.6% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
62.61%
-22.7% YoY
-3.2% QoQ
|
+2.88% |
59.73%
-12.6% YoY
|
70.51%
-8.6% YoY
|
70.05%
+2.5% YoY
|
38% |
| Delinquency Rate ? |
0.47%
-25.6% YoY
+4.3% QoQ
|
-0.40% |
0.87%
+11.7% YoY
|
0.57%
+7.0% YoY
|
0.98%
+16.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
106.87%
+6.5% YoY
+1.9% QoQ
|
+21.83% |
85.04%
-0.1% YoY
|
101.71%
+3.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 5.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.70%
+0.5% YoY
+2.5% QoQ
|
-1.58% |
21.27%
-1.5% YoY
|
16.78%
+2.2% YoY
|
21.98%
-0.6% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.46%
-10.1% YoY
+0.8% QoQ
|
-0.21% |
0.67%
+11.7% YoY
|
0.49%
+14.6% YoY
|
0.69%
+15.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
10.11%
+2.8% YoY
+1.5% QoQ
|
-4.73% |
14.84%
-0.4% YoY
|
14.51%
+1.8% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.7% in tier |
| Non-Interest Income / Assets ? |
0.24%
+17.7% YoY
+150.6% QoQ
|
-0.28% |
0.53%
+2.5% YoY
|
0.26%
-0.2% YoY
|
0.66%
+5.2% YoY
|
40% |
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 |
19.7%
+0.1pp YoY +0.5pp QoQ |
-1.7pp | 21.4% | 16.8% | 22.2% | 49% |
| Brokered Deposits |
8.4%
-1.0pp YoY -1.0pp QoQ |
-1.0pp | 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 |
9.1%
-0.2pp YoY -0.1pp QoQ |
-4.9pp | 14.0% | 8.7% | 12.5% | 40% |
| CRE |
57.3%
+1.3pp YoY +0.6pp QoQ |
+7.3pp | 50.0% | 38.6% | 41.4% | 69% |
| 1-4 Family |
32.3%
-0.7pp YoY -0.5pp QoQ |
+5.9pp | 26.4% | 49.6% | 31.3% | 70% |
| Consumer |
0.2%
-0.1pp YoY 0.0pp QoQ |
-4.5pp | 4.7% | 1.9% | 5.0% | 19% |
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 |
10.1%
+0.3pp YoY +0.2pp QoQ |
-1.2pp | 11.3% | 11.6% | 12.6% | 40% |
| 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 |
366
+18 (+5.2%) YoY +3 (+0.8%) QoQ |
+52 | 313 | 259 | 482 | 74% |
| Assets per Employee ($) |
$8.2M
+2.8% YoY +2.2% QoQ |
-$2.3M | $10.5M | $8.5M | $8.8M | 42% |
| Branch Count |
23
0 YoY 0 QoQ |
+3 | 20 | 18 | 18 | 72% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 0.8% | 0.6% | 1.0% | 45% |
| Allowance Coverage |
1.37x
+21.7% YoY -7.1% QoQ |
-17.34x | 18.71x | 7.67x | 20.23x | 35% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY -0.2pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.2% | 77% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.5%
+4.2pp YoY +2.0pp QoQ |
-0.1pp | 12.6% | 8.8% | 11.6% | 52% |
| Cost of Funds (YTD) |
2.0%
-0.6pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 2.0% | 1.7% | 53% |
| Net Income ($, YTD) |
$17.0M
+90.9% YoY — QoQ |
-$2.2M | $19.2M | $12.8M | $40.4M | 64% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.