BlastPoint's Banking Scorecard

Bangor Savings Bank

$1B-$10B Specialty: Commercial ME FDIC cert 18408

Designations: ✓ Community bank

Bangor, ME

73 branches across ME · NH

884 banks in the $1B-$10B peer group nationally 15 in ME

Bangor Savings Bank has 1 strength but faces 6 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

+ Delinquency Rate 0.43% below tier average

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 2.7% in tier
- Capital Thin: Bottom 17.7% in tier
- Credit Risk Growth: Bottom 21.7% in tier
- Efficiency Drag: Bottom 44.6% in tier
- Return on Assets 1.11% below tier average
- Net Interest Margin 0.86% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Total Assets ?	$7.4B +2.6% YoY +0.9% QoQ	+$4.6B	$2.8B -0.1% YoY	$2.2B +5.5% YoY	$6.2B +9.1% YoY	Top 6.3% in tier
Total Loans ?	$5.1B +2.8% YoY -0.1% QoQ	+$3.1B	$2.0B +0.6% YoY	$1.7B +6.5% YoY	$3.2B +10.8% YoY	Top 6.3% in tier
Total Deposits ?	$5.7B -7.5% YoY +0.2% QoQ	+$3.4B	$2.3B -0.3% YoY	$1.7B +2.2% YoY	$4.8B +8.2% YoY	Top 7.6% in tier
Return on Assets ?	0.25% +102.7% YoY -35.2% QoQ	-1.11%	1.37% +19.6% YoY	0.81% +48.6% YoY	1.23% +13.4% YoY	Bottom 4.8% in tier
Net Interest Margin ?	2.96% +24.9% YoY +14.3% QoQ	-0.86%	3.82% +6.9% YoY	3.42% +9.8% YoY	3.89% +5.7% YoY	15%
Efficiency Ratio ?	83.32% -9.8% YoY +14.2% QoQ	+22.26%	61.06% -4.6% YoY	70.43% -11.2% YoY	66.95% -4.1% YoY	Bottom 5.9% in tier
Delinquency Rate ?	0.46% +178.2% YoY +22.7% QoQ	-0.43%	0.89% +14.1% YoY	0.56% +20.7% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	88.93% +11.2% YoY -0.3% QoQ	+4.72%	84.20% +0.3% YoY	100.20% +2.7% YoY	76.70% +0.9% YoY	42%
Non-Interest-Bearing Deposit Share ?	26.23% +16.6% YoY -1.0% QoQ	+4.94%	21.29% -2.5% YoY	16.54% +3.4% YoY	22.01% -1.2% YoY	74%
Nonperforming Asset Ratio ?	0.31% +178.8% YoY +21.5% QoQ	-0.36%	0.67% +15.6% YoY	0.47% +26.7% YoY	0.67% +19.3% YoY	62%
Tier 1 Capital Ratio ?	10.58% -1.0% YoY -0.4% QoQ	-4.58%	15.16% +2.0% YoY	14.56% +2.5% YoY	17.06% +0.8% YoY	Bottom 10.4% in tier
Non-Interest Income / Assets ?	0.29% +15.8% YoY -84.4% QoQ	+0.03%	0.26% +1.6% YoY	0.13% +1.6% YoY	0.32% +4.1% YoY	Top 14.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched strength signatures this quarter

Concerns (4)

Capital Constraint

risk

#2 of 37 • Bottom 2.7% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 88.93%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 10.58%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

37 of 37 Mid-Market banks match · 148 nationally

↑ Growing +19 banks QoQ

Capital Thin

risk

#40 of 221 • Bottom 17.7% 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: 10.58%

(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 declining

Credit Risk Growth

risk

#92 of 420 • Bottom 21.7% 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 | QoQ rank improving

Efficiency Drag

risk

#34 of 74 • Bottom 44.6% in tier

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

Why this signature

Efficiency Ratio: 83.32%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

Total Assets

size

Value: $7.42B

Peer Median: $2.82B

#57 of 884 Top 6.3% in $1B-$10B

Total Loans

size

Value: $5.08B

Peer Median: $1.96B

#57 of 884 Top 6.3% in $1B-$10B

Total Deposits

size

Value: $5.72B

Peer Median: $2.34B

#68 of 884 Top 7.6% in $1B-$10B

130

Non-Interest Income / Assets

revenue_mix

Value: 0.29%

Peer Median: 0.26%

#130 of 884 Top 14.6% in $1B-$10B

Top Weaknesses (4 metrics)

843

Return on Assets

profitability

Value: 0.25%

Peer Median: 1.37%

#843 of 884 Bottom 4.8% in $1B-$10B

833

Efficiency Ratio

profitability

Value: 83.32%

Peer Median: 61.06%

#833 of 884 Bottom 5.9% in $1B-$10B

793

Tier 1 Capital Ratio

capital

Value: 10.58%

Peer Median: 15.16%

#793 of 884 Bottom 10.4% in $1B-$10B

751

Net Interest Margin

profitability

Value: 2.96%

Peer Median: 3.82%

#751 of 884 Bottom 15.2% in $1B-$10B