BlastPoint's Banking Scorecard
Bangor Savings Bank
Designations: ✓ Community bank
Bangor, ME
73 branches across ME · NH
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 -3.3% year over year ($5.7B on the books).
- Delinquency rate 0.47%.
- Return on assets 0.37%.
- Efficiency ratio 83.03% vs a 59.73% peer average.
- Loan-to-deposit ratio 90.91% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bangor Savings Bank has 1 strength but faces 6 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
- - Liquidity Strain: Bottom 11.4% in tier
- - Capital Constraint: Bottom 18.8% in tier
- - Capital Thin: Bottom 30.2% in tier
- - Efficiency Drag: Bottom 71.7% in tier
- - Return on Assets 1.02% below tier average
- - Net Interest Margin 0.89% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.7B
+5.5% YoY
+4.3% QoQ
|
+$4.9B |
$2.8B
-0.6% YoY
|
$2.2B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Top 4.6% in tier |
| Total Loans ? |
$5.2B
+3.4% YoY
+2.4% QoQ
|
+$3.2B |
$2.0B
-0.3% YoY
|
$1.7B
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Top 5.6% in tier |
| Total Deposits ? |
$5.7B
-3.3% YoY
+0.1% QoQ
|
+$3.4B |
$2.3B
-0.5% YoY
|
$1.7B
+2.6% YoY
|
$4.9B
+7.3% YoY
|
Top 6.6% in tier |
| Return on Assets ? |
0.37%
+251.6% YoY
+47.3% QoQ
|
-1.02% |
1.39%
+17.0% YoY
|
0.97%
+42.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 4.9% in tier |
| Net Interest Margin ? |
2.98%
+23.1% YoY
+0.6% QoQ
|
-0.89% |
3.87%
+6.2% YoY
|
3.45%
+9.6% YoY
|
3.95%
+4.9% YoY
|
Bottom 14.1% in tier |
| Efficiency Ratio ? |
83.03%
-8.5% YoY
-0.3% QoQ
|
+23.31% |
59.73%
-12.6% YoY
|
70.51%
-8.6% YoY
|
70.05%
+2.5% YoY
|
Bottom 4.7% in tier |
| Delinquency Rate ? |
0.47%
-29.5% YoY
+2.9% QoQ
|
-0.40% |
0.87%
+11.7% YoY
|
0.57%
+7.0% YoY
|
0.98%
+16.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
90.91%
+6.9% YoY
+2.2% QoQ
|
+5.88% |
85.04%
-0.1% YoY
|
101.71%
+3.8% YoY
|
79.03%
+2.3% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
27.38%
+12.0% YoY
+4.4% QoQ
|
+6.11% |
21.27%
-1.5% YoY
|
16.78%
+2.2% YoY
|
21.98%
-0.6% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.32%
-30.9% YoY
+1.0% QoQ
|
-0.36% |
0.67%
+11.7% YoY
|
0.49%
+14.6% YoY
|
0.69%
+15.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
10.39%
-0.2% YoY
-1.8% QoQ
|
-4.46% |
14.84%
-0.4% YoY
|
14.51%
+1.8% YoY
|
17.09%
+0.8% YoY
|
Bottom 9.5% in tier |
| Non-Interest Income / Assets ? |
0.58%
+3.9% YoY
+100.8% QoQ
|
+0.05% |
0.53%
+2.5% YoY
|
0.26%
-0.2% YoY
|
0.66%
+5.2% YoY
|
Top 14.9% in tier |
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 |
27.4%
+2.9pp YoY +1.1pp QoQ |
+6.0pp | 21.4% | 16.8% | 22.2% | 78% |
| Brokered Deposits |
0.0%
-9.0pp YoY 0.0pp QoQ |
-9.5pp | 9.5% | 12.9% | 8.5% | 3% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.4%
-1.0pp YoY 0.0pp QoQ |
-7.6pp | 14.0% | 8.7% | 12.5% | 25% |
| CRE |
38.0%
+2.0pp YoY 0.0pp QoQ |
-12.1pp | 50.0% | 38.6% | 41.4% | 20% |
| 1-4 Family |
53.7%
-0.8pp YoY -0.3pp QoQ |
+27.3pp | 26.4% | 49.6% | 31.3% | 92% |
| Consumer |
1.0%
-0.2pp YoY 0.0pp QoQ |
-3.8pp | 4.7% | 1.9% | 5.0% | 44% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.4%
0.0pp YoY -0.2pp QoQ |
-5.2pp | 15.6% | 15.4% | 19.7% | 3% |
| Leverage Ratio |
7.8%
+0.2pp YoY -0.2pp QoQ |
-3.5pp | 11.3% | 11.6% | 12.6% | 2% |
| Total Capital Ratio |
11.1%
0.0pp YoY -0.2pp QoQ |
-5.6pp | 16.7% | 16.4% | 20.8% | 2% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
1,173
+23 (+2.0%) YoY +37 (+3.3%) QoQ |
+859 | 313 | 259 | 482 | 99% |
| Assets per Employee ($) |
$6.6M
+3.4% YoY +1.0% QoQ |
-$3.9M | $10.5M | $8.5M | $8.8M | 19% |
| Branch Count |
72
-1 (-1.4%) YoY 0 QoQ |
+52 | 20 | 18 | 18 | 97% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 0.8% | 0.6% | 1.0% | 46% |
| Allowance Coverage |
1.68x
+48.9% YoY -3.4% QoQ |
-17.03x | 18.71x | 7.67x | 20.23x | 42% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 38% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.3%
+3.5pp YoY +1.7pp QoQ |
-7.3pp | 12.6% | 8.8% | 11.6% | 8% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY +0.1pp QoQ |
-0.3pp | 1.9% | 2.0% | 1.7% | 32% |
| Net Income ($, YTD) |
$14.0M
+263.1% YoY — QoQ |
-$5.2M | $19.2M | $12.8M | $40.4M | 57% |
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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 (4)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.