BlastPoint's Banking Scorecard
Saco & Biddeford Savings Institution
Designations: ✓ Community bank ✓ Mutual
Saco, ME
7 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 -1.3% year over year ($1.0B on the books).
- Delinquency rate 0.14%.
- Return on assets 0.24%.
- Efficiency ratio 90.27% vs a 59.73% peer average.
- Loan-to-deposit ratio 118.73% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Saco & Biddeford Savings Institution has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 10.9% in tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 10.8% in tier
- - Credit Risk Growth: Bottom 12.7% in tier
- - Credit Quality Pressure: Bottom 15.7% in tier
- - Return on Assets 1.15% below tier average
- - Net Interest Margin 1.48% below tier average
- - Efficiency Ratio 30.54% above tier average
- - Loan-to-Deposit Ratio 33.69% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+2.2% YoY
+1.0% QoQ
|
-$1.3B |
$2.8B
-0.6% YoY
|
$2.2B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
33% |
| Total Loans ? |
$1.2B
+3.8% YoY
+1.3% QoQ
|
-$770.8M |
$2.0B
-0.3% YoY
|
$1.7B
+7.1% YoY
|
$3.2B
+9.4% YoY
|
43% |
| Total Deposits ? |
$1.0B
-1.3% YoY
-0.9% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$1.7B
+2.6% YoY
|
$4.9B
+7.3% YoY
|
16% |
| Return on Assets ? |
0.24%
+261.6% YoY
+46.4% QoQ
|
-1.15% |
1.39%
+17.0% YoY
|
0.97%
+42.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 3.2% in tier |
| Net Interest Margin ? |
2.39%
+15.5% YoY
+0.4% QoQ
|
-1.48% |
3.87%
+6.2% YoY
|
3.45%
+9.6% YoY
|
3.95%
+4.9% YoY
|
Bottom 3.5% in tier |
| Efficiency Ratio ? |
90.27%
-7.0% YoY
+0.0% QoQ
|
+30.54% |
59.73%
-12.6% YoY
|
70.51%
-8.6% YoY
|
70.05%
+2.5% YoY
|
Bottom 1.7% in tier |
| Delinquency Rate ? |
0.14%
+285.0% YoY
+0.1% QoQ
|
-0.73% |
0.87%
+11.7% YoY
|
0.57%
+7.0% YoY
|
0.98%
+16.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
118.73%
+5.2% YoY
+2.2% QoQ
|
+33.69% |
85.04%
-0.1% YoY
|
101.71%
+3.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 2.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.05%
+7.4% YoY
+5.3% QoQ
|
-3.22% |
21.27%
-1.5% YoY
|
16.78%
+2.2% YoY
|
21.98%
-0.6% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.11%
+290.9% YoY
+0.4% QoQ
|
-0.56% |
0.67%
+11.7% YoY
|
0.49%
+14.6% YoY
|
0.69%
+15.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
10.02%
+0.4% YoY
-0.4% QoQ
|
-4.82% |
14.84%
-0.4% YoY
|
14.51%
+1.8% YoY
|
17.09%
+0.8% YoY
|
Bottom 5.9% in tier |
| Non-Interest Income / Assets ? |
0.30%
-9.0% YoY
+94.7% QoQ
|
-0.22% |
0.53%
+2.5% YoY
|
0.26%
-0.2% YoY
|
0.66%
+5.2% YoY
|
53% |
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 |
18.1%
+1.2pp YoY +0.9pp QoQ |
-3.3pp | 21.4% | 16.8% | 22.2% | 40% |
| Brokered Deposits |
17.4%
-4.5pp YoY -3.0pp QoQ |
+7.9pp | 9.5% | 12.9% | 8.5% | 86% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.9%
0.0pp YoY 0.0pp QoQ |
-12.1pp | 14.0% | 8.7% | 12.5% | 5% |
| CRE |
31.4%
+2.8pp YoY +0.7pp QoQ |
-18.7pp | 50.0% | 38.6% | 41.4% | 12% |
| 1-4 Family |
65.6%
-2.6pp YoY -0.7pp QoQ |
+39.2pp | 26.4% | 49.6% | 31.3% | 96% |
| Consumer |
0.8%
-0.1pp YoY 0.0pp QoQ |
-3.9pp | 4.7% | 1.9% | 5.0% | 39% |
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 |
10.0%
0.0pp YoY 0.0pp QoQ |
-1.3pp | 11.3% | 11.6% | 12.6% | 37% |
| 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 |
191
-3 (-1.5%) YoY -3 (-1.5%) QoQ |
-123 | 313 | 259 | 482 | 38% |
| Assets per Employee ($) |
$7.7M
+3.8% YoY +2.6% QoQ |
-$2.8M | $10.5M | $8.5M | $8.8M | 35% |
| Branch Count |
7
0 YoY 0 QoQ |
-13 | 20 | 18 | 18 | 17% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.7pp | 0.8% | 0.6% | 1.0% | 15% |
| Allowance Coverage |
3.07x
-74.0% YoY -1.2% QoQ |
-15.64x | 18.71x | 7.67x | 20.23x | 64% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 17% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.6%
+1.9pp YoY +0.8pp QoQ |
-10.0pp | 12.6% | 8.8% | 11.6% | 3% |
| Cost of Funds (YTD) |
2.7%
-0.1pp YoY 0.0pp QoQ |
+0.7pp | 1.9% | 2.0% | 1.7% | 88% |
| Net Income ($, YTD) |
$1.8M
+270.2% YoY — QoQ |
-$17.5M | $19.2M | $12.8M | $40.4M | 3% |
Get Full Access to Saco & Biddeford Savings Institution
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.