BlastPoint's Banking Scorecard

Northeast Bank

$1B-$10B Specialty: Commercial ME FDIC cert 19690

Portland, ME

9 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 +9.6% year over year ($3.7B on the books).
Delinquency rate 0.56%.
Return on assets 2.53%.
Efficiency ratio 35.71% vs a 59.73% peer average.
Loan-to-deposit ratio 121.47% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $1B-$10B leaderboard (ME) →

Northeast Bank has 4 strengths but faces 2 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

+ Profitability Leader: Top 10.4% in tier
+ Net Interest Margin 1.14% above tier average
+ Efficiency Ratio 24.02% below tier average
+ Delinquency Rate 0.31% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 36.44% above tier average
- Non-Interest-Bearing Deposit Share 16.45% below tier average

Get updates when Northeast Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Total Assets ?	$5.2B +22.2% YoY +3.8% QoQ	+$2.4B	$2.8B -0.6% YoY	$2.2B +6.4% YoY	$6.3B +7.7% YoY	Top 13.7% in tier
Total Loans ?	$4.5B +21.1% YoY +0.8% QoQ	+$2.6B	$2.0B -0.3% YoY	$1.7B +7.1% YoY	$3.2B +9.4% YoY	Top 8.5% in tier
Total Deposits ?	$3.7B +9.6% YoY +1.0% QoQ	+$1.4B	$2.3B -0.5% YoY	$1.7B +2.6% YoY	$4.9B +7.3% YoY	84%
Return on Assets ?	2.53% +21.1% YoY +5.8% QoQ	+1.14%	1.39% +17.0% YoY	0.97% +42.0% YoY	1.30% +12.1% YoY	Top 3.7% in tier
Net Interest Margin ?	5.01% +2.4% YoY -3.4% QoQ	+1.14%	3.87% +6.2% YoY	3.45% +9.6% YoY	3.95% +4.9% YoY	Top 5.0% in tier
Efficiency Ratio ?	35.71% -1.2% YoY +0.6% QoQ	-24.02%	59.73% -12.6% YoY	70.51% -8.6% YoY	70.05% +2.5% YoY	Top 4.2% in tier
Delinquency Rate ?	0.56% -40.6% YoY -17.0% QoQ	-0.31%	0.87% +11.7% YoY	0.57% +7.0% YoY	0.98% +16.3% YoY	48%
Loan-to-Deposit Ratio ?	121.47% +10.6% YoY -0.2% QoQ	+36.44%	85.04% -0.1% YoY	101.71% +3.8% YoY	79.03% +2.3% YoY	Bottom 2.0% in tier
Non-Interest-Bearing Deposit Share ?	4.83% +3.2% YoY +4.5% QoQ	-16.45%	21.27% -1.5% YoY	16.78% +2.2% YoY	21.98% -0.6% YoY	Bottom 4.0% in tier
Nonperforming Asset Ratio ?	0.67% -19.9% YoY -14.7% QoQ	-0.01%	0.67% +11.7% YoY	0.49% +14.6% YoY	0.69% +15.8% YoY	34%
Tier 1 Capital Ratio ?	13.46% +0.1% YoY +3.9% QoQ	-1.39%	14.84% -0.4% YoY	14.51% +1.8% YoY	17.09% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.16% -54.3% YoY +129.5% QoQ	-0.36%	0.53% +2.5% YoY	0.26% -0.2% YoY	0.66% +5.2% YoY	23%

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	4.8% +0.2pp YoY +0.2pp QoQ	-16.5pp	21.4%	16.8%	22.2%	3%
Brokered Deposits	46.9% +0.1pp YoY -0.5pp QoQ	+37.5pp	9.5%	12.9%	8.5%	98%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
C&I	5.4% +1.2pp YoY 0.0pp QoQ	-8.6pp	14.0%	8.7%	12.5%	20%
CRE	73.5% +0.4pp YoY +0.1pp QoQ	+23.4pp	50.0%	38.6%	41.4%	92%
1-4 Family	2.7% -0.5pp YoY +0.1pp QoQ	-23.7pp	26.4%	49.6%	31.3%	4%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	1.9%	5.0%	1%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
CET1 Ratio	13.5% 0.0pp YoY +0.5pp QoQ	-2.1pp	15.6%	15.4%	19.7%	49%
Leverage Ratio	11.9% +0.3pp YoY +0.5pp QoQ	+0.6pp	11.3%	11.6%	12.6%	75%
Total Capital Ratio	14.7% 0.0pp YoY +0.5pp QoQ	-2.0pp	16.7%	16.4%	20.8%	51%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Full-Time Employees	230 +12 (+5.5%) YoY +6 (+2.7%) QoQ	-84	313	259	482	48%
Assets per Employee ($)	$22.7M +15.8% YoY +1.1% QoQ	+$12.2M	$10.5M	$8.5M	$8.8M	96%
Branch Count	9 0 YoY 0 QoQ	-11	20	18	18	25%

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	0.6% -0.4pp YoY -0.1pp QoQ	-0.3pp	0.8%	0.6%	1.0%	53%
Allowance Coverage	2.32x +69.3% YoY +15.9% QoQ	-16.39x	18.71x	7.67x	20.23x	54%
Net Charge-off Rate (YTD)	0.2% +0.1pp YoY -0.1pp QoQ	0.0pp	0.3%	0.1%	0.2%	81%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
ROE	22.6% +3.8pp YoY +0.9pp QoQ	+10.0pp	12.6%	8.8%	11.6%	94%
Cost of Funds (YTD)	3.2% -0.3pp YoY 0.0pp QoQ	+1.3pp	1.9%	2.0%	1.7%	97%
Net Income ($, YTD)	$64.2M +46.2% YoY — QoQ	+$45.0M	$19.2M	$12.8M	$40.4M	96%

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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 (1)

Profitability Leader

growth

#24 of 222 • Top 10.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.53%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 885 peers in $1B-$10B

Top Strengths (6 metrics)

Return on Assets

profitability

Value: 2.53%

Peer Median: 1.39%

#34 of 885 Top 3.7% in $1B-$10B

Efficiency Ratio

profitability

Value: 35.71%

Peer Median: 59.73%

#38 of 885 Top 4.2% in $1B-$10B

Net Interest Margin

profitability

Value: 5.01%

Peer Median: 3.87%

#45 of 885 Top 5.0% in $1B-$10B

Total Loans

size

Value: $4.53B

Peer Median: $1.96B

#76 of 885 Top 8.5% in $1B-$10B

122

Total Assets

size

Value: $5.23B

Peer Median: $2.79B

#122 of 885 Top 13.7% in $1B-$10B

144

Total Deposits

size

Value: $3.73B

Peer Median: $2.32B

#144 of 885 Top 16.2% in $1B-$10B

Top Weaknesses (3 metrics)

868

Loan-to-Deposit Ratio

liquidity

Value: 121.47%

Peer Median: 85.04%

#868 of 885 Bottom 2.0% in $1B-$10B

851

Non-Interest-Bearing Deposit Share

funding

Value: 4.83%

Peer Median: 21.27%

#851 of 885 Bottom 4.0% in $1B-$10B

686

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.53%

#686 of 885 Bottom 22.6% in $1B-$10B