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Saco & Biddeford Savings Institution

$1B-$10B Specialty: Commercial ME FDIC cert 17743

Designations: ✓ Community bank ✓ Mutual

Saco, ME

7 branches across ME

884 banks in the $1B-$10B peer group nationally 15 in ME
View $1B-$10B leaderboard (ME) →

Saco & Biddeford Savings Institution 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

  • + Credit Quality Leader: Top 15.9% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 9.9% in tier
  • - Capital Thin: Bottom 10.4% in tier
  • - Credit Risk Growth: Bottom 14.3% in tier
  • - Efficiency Drag: Bottom 73.0% in tier
  • - Return on Assets 1.20% below tier average
  • - Net Interest Margin 1.44% below tier average
  • - Loan-to-Deposit Ratio 31.91% above tier average
Get updates when Saco & Biddeford Savings Institution releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Total Assets ? $1.5B
+2.5% YoY +0.7% QoQ
-$1.4B $2.8B
-0.1% YoY
$2.2B
+5.5% YoY
$6.2B
+9.1% YoY
32%
Total Loans ? $1.2B
+4.3% YoY +0.5% QoQ
-$787.6M $2.0B
+0.6% YoY
$1.7B
+6.5% YoY
$3.2B
+10.8% YoY
42%
Total Deposits ? $1.0B
+0.3% YoY -1.8% QoQ
-$1.3B $2.3B
-0.3% YoY
$1.7B
+2.2% YoY
$4.8B
+8.2% YoY
16%
Return on Assets ? 0.17%
-22.7% QoQ
-1.20% 1.37%
+19.6% YoY
0.81%
+48.6% YoY
1.23%
+13.4% YoY
Bottom 3.7% in tier
Net Interest Margin ? 2.38%
+16.6% YoY +8.9% QoQ
-1.44% 3.82%
+6.9% YoY
3.42%
+9.8% YoY
3.89%
+5.7% YoY
Bottom 4.5% in tier
Efficiency Ratio ? 90.24%
-9.9% YoY -0.7% QoQ
+29.18% 61.06%
-4.6% YoY
70.43%
-11.2% YoY
66.95%
-4.1% YoY
Bottom 2.8% in tier
Delinquency Rate ? 0.14%
+103.0% YoY +393.7% QoQ
-0.75% 0.89%
+14.1% YoY
0.56%
+20.7% YoY
0.95%
+18.8% YoY
Top 14.9% in tier
Loan-to-Deposit Ratio ? 116.12%
+4.0% YoY +2.4% QoQ
+31.91% 84.20%
+0.3% YoY
100.20%
+2.7% YoY
76.70%
+0.9% YoY
Bottom 2.8% in tier
Non-Interest-Bearing Deposit Share ? 17.14%
+4.6% YoY -3.0% QoQ
-4.15% 21.29%
-2.5% YoY
16.54%
+3.4% YoY
22.01%
-1.2% YoY
37%
Nonperforming Asset Ratio ? 0.11%
+106.5% YoY +392.6% QoQ
-0.56% 0.67%
+15.6% YoY
0.47%
+26.7% YoY
0.67%
+19.3% YoY
84%
Tier 1 Capital Ratio ? 10.06%
+0.8% YoY +0.1% QoQ
-5.10% 15.16%
+2.0% YoY
14.56%
+2.5% YoY
17.06%
+0.8% YoY
Bottom 5.2% in tier
Non-Interest Income / Assets ? 0.16%
-5.2% YoY -79.4% QoQ
-0.10% 0.26%
+1.6% YoY
0.13%
+1.6% YoY
0.32%
+4.1% YoY
56%

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 (1)

Credit Quality Leader

growth
#36 of 220 • Top 15.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.14%
(Tier: 0.89%, National: 0.95%)
better than tier avg
220 of 220 Mid-Market banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Concerns (4)

Credit Quality Pressure

risk
#52 of 513 • Bottom 9.9% in tier

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

Why this signature
Delinquency Rate: 0.14%
(Tier: 0.89%, National: 0.95%)
better than tier avg
513 of 513 Mid-Market banks match · 1899 nationally
→ Stable +2 banks QoQ

Capital Thin

risk
#24 of 221 • Bottom 10.4% 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: 10.06%
(Tier: 15.16%, National: 17.06%)
worse than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#61 of 420 • Bottom 14.3% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ

Efficiency Drag

risk
#55 of 74 • Bottom 73.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 90.24%
(Tier: 61.06%, National: 66.95%)
worse than tier avg
74 of 74 Mid-Market banks match · 492 nationally
→ Stable | 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).
Comparing against 884 peers in $1B-$10B

Top Strengths (2 metrics)

132
Delinquency Rate
credit_quality
Value: 0.14%
Peer Median: 0.89%
#132 of 880 Top 14.9% in $1B-$10B
142
Nonperforming Asset Ratio
credit_quality
Value: 0.11%
Peer Median: 0.67%
#142 of 884 Top 16.0% in $1B-$10B

Top Weaknesses (6 metrics)

860
Loan-to-Deposit Ratio
liquidity
Value: 116.12%
Peer Median: 84.20%
#860 of 884 Bottom 2.8% in $1B-$10B
860
Efficiency Ratio
profitability
Value: 90.24%
Peer Median: 61.06%
#860 of 884 Bottom 2.8% in $1B-$10B
852
Return on Assets
profitability
Value: 0.17%
Peer Median: 1.37%
#852 of 884 Bottom 3.7% in $1B-$10B
845
Net Interest Margin
profitability
Value: 2.38%
Peer Median: 3.82%
#845 of 884 Bottom 4.5% in $1B-$10B
839
Tier 1 Capital Ratio
capital
Value: 10.06%
Peer Median: 15.16%
#839 of 884 Bottom 5.2% in $1B-$10B
745
Total Deposits
size
Value: $1.01B
Peer Median: $2.34B
#745 of 884 Bottom 15.8% in $1B-$10B
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