BlastPoint's Banking Scorecard
Kennebec Savings Bank
Designations: ✓ Community bank
Augusta, ME
8 branches across ME
Kennebec Savings Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.43% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 17.2% in tier
- - Credit Risk Growth: Bottom 17.6% in tier
- - Non-Interest-Bearing Deposit Share 12.41% below tier average
- - ROA 0.80% below tier average
- - Net Interest Margin 0.79% below tier average
- - Efficiency Ratio 8.48% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+3.9% YoY
+0.3% QoQ
|
-$987.6M |
$2.8B
-0.1% YoY
|
$2.2B
+5.5% YoY
|
$6.2B
+9.1% YoY
|
46% |
| Total Loans ? |
$1.5B
+4.1% YoY
+0.4% QoQ
|
-$442.8M |
$2.0B
+0.6% YoY
|
$1.7B
+6.5% YoY
|
$3.2B
+10.8% YoY
|
54% |
| Total Deposits ? |
$1.4B
+3.8% YoY
+0.6% QoQ
|
-$947.0M |
$2.3B
-0.3% YoY
|
$1.7B
+2.2% YoY
|
$4.8B
+8.2% YoY
|
41% |
| Return on Assets ? |
0.56%
+29.0% YoY
-50.3% QoQ
|
-0.80% |
1.37%
+19.6% YoY
|
0.81%
+48.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.0% in tier |
| Net Interest Margin ? |
3.03%
+13.4% YoY
+4.9% QoQ
|
-0.79% |
3.82%
+6.9% YoY
|
3.42%
+9.8% YoY
|
3.89%
+5.7% YoY
|
19% |
| Efficiency Ratio ? |
69.55%
-11.2% YoY
-6.8% QoQ
|
+8.48% |
61.06%
-4.6% YoY
|
70.43%
-11.2% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
0.46%
+39.1% YoY
+8.4% QoQ
|
-0.43% |
0.89%
+14.1% YoY
|
0.56%
+20.7% YoY
|
0.95%
+18.8% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
109.00%
+0.3% YoY
-0.2% QoQ
|
+24.80% |
84.20%
+0.3% YoY
|
100.20%
+2.7% YoY
|
76.70%
+0.9% YoY
|
Bottom 4.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.88%
+0.2% YoY
-2.8% QoQ
|
-12.41% |
21.29%
-2.5% YoY
|
16.54%
+3.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.4% in tier |
| Nonperforming Asset Ratio ? |
0.38%
+39.5% YoY
+8.5% QoQ
|
-0.29% |
0.67%
+15.6% YoY
|
0.47%
+26.7% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
17.56%
+4.0% YoY
+1.0% QoQ
|
+2.40% |
15.16%
+2.0% YoY
|
14.56%
+2.5% YoY
|
17.06%
+0.8% YoY
|
Top 13.3% in tier |
| Non-Interest Income / Assets ? |
0.09%
+8.6% YoY
-75.7% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.13%
+1.6% YoY
|
0.32%
+4.1% YoY
|
29% |
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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 (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.