BlastPoint's Banking Scorecard

Skowhegan Savings Bank

$100M-$1B Specialty: Commercial ME FDIC cert 19532

Designations: ✓ Mutual

Skowhegan, ME

13 branches across ME

2664 banks in the $100M-$1B peer group nationally 6 in ME

Skowhegan Savings Bank 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

+ Delinquency Rate 0.50% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 17.5% in tier
- Credit Quality Pressure: Bottom 25.8% in tier
- Flatlined Growth: Bottom 32.0% in tier
- Deposit Outflow: Bottom 49.8% in tier
- ROA 0.34% below tier average
- Net Interest Margin 0.05% below tier average
- Efficiency Ratio 6.90% above 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 ?	$843.5M +0.1% YoY +0.2% QoQ	+$457.4M	$386.1M +0.5% YoY	$2.2B +5.5% YoY	$6.2B +9.1% YoY	Top 6.2% in tier
Total Loans ?	$609.7M -1.0% YoY +0.4% QoQ	+$354.0M	$255.7M +1.1% YoY	$1.7B +6.5% YoY	$3.2B +10.8% YoY	Top 5.7% in tier
Total Deposits ?	$711.9M -1.8% YoY +0.4% QoQ	+$383.9M	$328.0M +0.1% YoY	$1.7B +2.2% YoY	$4.8B +8.2% YoY	Top 6.1% in tier
Return on Assets ?	0.93% +22.4% YoY -12.8% QoQ	-0.34%	1.27% +12.9% YoY	0.81% +48.6% YoY	1.23% +13.4% YoY	34%
Net Interest Margin ?	3.88% +9.2% YoY +3.7% QoQ	-0.05%	3.93% +6.0% YoY	3.42% +9.8% YoY	3.89% +5.7% YoY	51%
Efficiency Ratio ?	72.19% +0.5% YoY -2.1% QoQ	+6.90%	65.29% -4.5% YoY	70.43% -11.2% YoY	66.95% -4.1% YoY	28%
Delinquency Rate ?	0.39% +33.6% YoY -10.7% QoQ	-0.50%	0.89% +18.8% YoY	0.56% +20.7% YoY	0.95% +18.8% YoY	51%
Loan-to-Deposit Ratio ?	85.65% +0.9% YoY +0.0% QoQ	+9.01%	76.64% +0.8% YoY	100.20% +2.7% YoY	76.70% +0.9% YoY	33%
Non-Interest-Bearing Deposit Share ?	22.28% -1.8% YoY +0.1% QoQ	+0.26%	22.02% -1.0% YoY	16.54% +3.4% YoY	22.01% -1.2% YoY	55%
Nonperforming Asset Ratio ?	0.28% +32.2% YoY -10.5% QoQ	-0.36%	0.64% +19.7% YoY	0.47% +26.7% YoY	0.67% +19.3% YoY	52%
Tier 1 Capital Ratio ?	22.98% +12.9% YoY +0.8% QoQ	+7.15%	15.83% +1.5% YoY	14.56% +2.5% YoY	17.06% +0.8% YoY	Top 8.5% in tier
Non-Interest Income / Assets ?	0.11% -2.7% YoY -79.3% QoQ	-0.17%	0.28% +9.3% YoY	0.13% +1.6% YoY	0.32% +4.1% YoY	59%

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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)

Liquidity Overhang

risk

#130 of 739 • Bottom 17.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 22.98%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 85.65%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ

Credit Quality Pressure

risk

#339 of 1308 • Bottom 25.8% in tier

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

Why this signature

Delinquency Rate: 0.39%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#165 of 512 • Bottom 32.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.93%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#253 of 506 • Bottom 49.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

152

Total Loans

size

Value: $609.72M

Peer Median: $255.72M

#152 of 2664 Top 5.7% in $100M-$1B

164

Total Deposits

size

Value: $711.87M

Peer Median: $327.97M

#164 of 2664 Top 6.1% in $100M-$1B

165

Total Assets

size

Value: $843.49M

Peer Median: $386.08M

#165 of 2664 Top 6.2% in $100M-$1B

228

Tier 1 Capital Ratio

capital

Value: 22.98%

Peer Median: 15.83%

#228 of 2664 Top 8.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available