BlastPoint's Banking Scorecard
Bath Savings Institution
Designations: ✓ Community bank ✓ Mutual
Bath, ME
13 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 +2.6% year over year ($1.2B on the books).
- Delinquency rate 0.05%.
- Return on assets 0.74%.
- Efficiency ratio 66.31% vs a 59.73% peer average.
- Loan-to-deposit ratio 75.41% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bath Savings Institution has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.81% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Net Interest Margin 0.78% below tier average
- - Efficiency Ratio 6.59% 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
+3.8% YoY
+0.2% QoQ
|
-$1.3B |
$2.8B
-0.6% YoY
|
$2.2B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
35% |
| Total Loans ? |
$870.5M
+5.5% YoY
+0.8% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$1.7B
+7.1% YoY
|
$3.2B
+9.4% YoY
|
20% |
| Total Deposits ? |
$1.2B
+2.6% YoY
-0.6% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$1.7B
+2.6% YoY
|
$4.9B
+7.3% YoY
|
27% |
| Return on Assets ? |
0.74%
-16.3% YoY
|
-0.65% |
1.39%
+17.0% YoY
|
0.97%
+42.0% YoY
|
1.30%
+12.1% YoY
|
16% |
| Net Interest Margin ? |
3.09%
+14.4% YoY
+1.2% QoQ
|
-0.78% |
3.87%
+6.2% YoY
|
3.45%
+9.6% YoY
|
3.95%
+4.9% YoY
|
18% |
| Efficiency Ratio ? |
66.31%
-8.2% YoY
-0.7% QoQ
|
+6.59% |
59.73%
-12.6% YoY
|
70.51%
-8.6% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? |
0.05%
-67.3% YoY
-63.0% QoQ
|
-0.81% |
0.87%
+11.7% YoY
|
0.57%
+7.0% YoY
|
0.98%
+16.3% YoY
|
Top 8.4% in tier |
| Loan-to-Deposit Ratio ? |
75.41%
+2.8% YoY
+1.4% QoQ
|
-9.62% |
85.04%
-0.1% YoY
|
101.71%
+3.8% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
17.74%
-0.4% YoY
+2.6% QoQ
|
-3.53% |
21.27%
-1.5% YoY
|
16.78%
+2.2% YoY
|
21.98%
-0.6% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.03%
-66.7% YoY
-62.8% QoQ
|
-0.64% |
0.67%
+11.7% YoY
|
0.49%
+14.6% YoY
|
0.69%
+15.8% YoY
|
Top 7.0% in tier |
| Tier 1 Capital Ratio ? |
15.76%
+2.0% YoY
+1.7% QoQ
|
+0.92% |
14.84%
-0.4% YoY
|
14.51%
+1.8% YoY
|
17.09%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.43%
-3.6% YoY
+100.9% QoQ
|
-0.10% |
0.53%
+2.5% YoY
|
0.26%
-0.2% YoY
|
0.66%
+5.2% YoY
|
73% |
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 |
17.7%
-0.1pp YoY +0.5pp QoQ |
-3.6pp | 21.4% | 16.8% | 22.2% | 38% |
| Brokered Deposits |
7.1%
-0.2pp YoY +0.1pp QoQ |
-2.3pp | 9.5% | 12.9% | 8.5% | 59% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.5%
+0.5pp YoY 0.0pp QoQ |
-6.5pp | 14.0% | 8.7% | 12.5% | 30% |
| CRE |
41.6%
+2.2pp YoY +0.8pp QoQ |
-8.4pp | 50.0% | 38.6% | 41.4% | 28% |
| 1-4 Family |
50.1%
-2.5pp YoY -0.7pp QoQ |
+23.7pp | 26.4% | 49.6% | 31.3% | 90% |
| Consumer |
1.2%
-0.1pp YoY 0.0pp QoQ |
-3.5pp | 4.7% | 1.9% | 5.0% | 50% |
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 |
15.8%
+0.3pp YoY +0.3pp QoQ |
+4.4pp | 11.3% | 11.6% | 12.6% | 94% |
| 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 |
185
+4 (+2.2%) YoY +9 (+5.1%) QoQ |
-129 | 313 | 259 | 482 | 35% |
| Assets per Employee ($) |
$8.1M
+1.6% YoY -4.7% QoQ |
-$2.4M | $10.5M | $8.5M | $8.8M | 42% |
| Branch Count |
13
0 YoY 0 QoQ |
-7 | 20 | 18 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.1pp YoY -0.1pp QoQ |
-0.8pp | 0.8% | 0.6% | 1.0% | 6% |
| Allowance Coverage |
26.38x
+197.0% YoY +174.9% QoQ |
+7.67x | 18.71x | 7.67x | 20.23x | 95% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 4% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.1%
-1.3pp YoY +4.7pp QoQ |
-7.5pp | 12.6% | 8.8% | 11.6% | 8% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 2.0% | 1.7% | 38% |
| Net Income ($, YTD) |
$5.6M
-11.6% YoY — QoQ |
-$13.7M | $19.2M | $12.8M | $40.4M | 15% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.