BlastPoint's Banking Scorecard

Northeast Bank

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

Portland, ME

9 branches across ME

884 banks in the $1B-$10B peer group nationally 15 in 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 8.1% in tier
+ Net Interest Margin 1.37% above tier average
+ Efficiency Ratio 25.56% below tier average
+ Delinquency Rate 0.22% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 37.56% above tier average
- Non-Interest-Bearing Deposit Share 16.67% 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 ?	$5.0B +19.1% YoY +1.8% QoQ	+$2.2B	$2.8B -0.1% YoY	$2.2B +5.5% YoY	$6.2B +9.1% YoY	Top 14.5% in tier
Total Loans ?	$4.5B +19.8% YoY +2.9% QoQ	+$2.5B	$2.0B +0.6% YoY	$1.7B +6.5% YoY	$3.2B +10.8% YoY	Top 8.7% in tier
Total Deposits ?	$3.7B +11.0% YoY -4.3% QoQ	+$1.4B	$2.3B -0.3% YoY	$1.7B +2.2% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	2.39% +33.1% YoY +19.2% QoQ	+1.03%	1.37% +19.6% YoY	0.81% +48.6% YoY	1.23% +13.4% YoY	Top 4.5% in tier
Net Interest Margin ?	5.18% +14.1% YoY +11.4% QoQ	+1.37%	3.82% +6.9% YoY	3.42% +9.8% YoY	3.89% +5.7% YoY	Top 4.4% in tier
Efficiency Ratio ?	35.50% -6.8% YoY -7.2% QoQ	-25.56%	61.06% -4.6% YoY	70.43% -11.2% YoY	66.95% -4.1% YoY	Top 4.3% in tier
Delinquency Rate ?	0.67% -21.9% YoY -17.4% QoQ	-0.22%	0.89% +14.1% YoY	0.56% +20.7% YoY	0.95% +18.8% YoY	42%
Loan-to-Deposit Ratio ?	121.76% +7.9% YoY +7.5% QoQ	+37.56%	84.20% +0.3% YoY	100.20% +2.7% YoY	76.70% +0.9% YoY	Bottom 2.1% in tier
Non-Interest-Bearing Deposit Share ?	4.62% -0.5% YoY +5.8% QoQ	-16.67%	21.29% -2.5% YoY	16.54% +3.4% YoY	22.01% -1.2% YoY	Bottom 4.3% in tier
Nonperforming Asset Ratio ?	0.78% -1.2% YoY +6.7% QoQ	+0.11%	0.67% +15.6% YoY	0.47% +26.7% YoY	0.67% +19.3% YoY	28%
Tier 1 Capital Ratio ?	12.95% +1.7% YoY +3.8% QoQ	-2.21%	15.16% +2.0% YoY	14.56% +2.5% YoY	17.06% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.07% -54.0% YoY -84.5% QoQ	-0.19%	0.26% +1.6% YoY	0.13% +1.6% YoY	0.32% +4.1% YoY	19%

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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

#19 of 221 • Top 8.1% in tier

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

Why this signature

Return on Assets: 2.39%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 884 peers in $1B-$10B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 35.50%

Peer Median: 61.06%

#39 of 884 Top 4.3% in $1B-$10B

Net Interest Margin

profitability

Value: 5.18%

Peer Median: 3.82%

#40 of 884 Top 4.4% in $1B-$10B

Return on Assets

profitability

Value: 2.39%

Peer Median: 1.37%

#41 of 884 Top 4.5% in $1B-$10B

Total Loans

size

Value: $4.50B

Peer Median: $1.96B

#78 of 884 Top 8.7% in $1B-$10B

129

Total Assets

size

Value: $5.03B

Peer Median: $2.82B

#129 of 884 Top 14.5% in $1B-$10B

150

Total Deposits

size

Value: $3.70B

Peer Median: $2.34B

#150 of 884 Top 16.9% in $1B-$10B

Top Weaknesses (3 metrics)

866

Loan-to-Deposit Ratio

liquidity

Value: 121.76%

Peer Median: 84.20%

#866 of 884 Bottom 2.1% in $1B-$10B

847

Non-Interest-Bearing Deposit Share

funding

Value: 4.62%

Peer Median: 21.29%

#847 of 884 Bottom 4.3% in $1B-$10B

721

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.26%

#721 of 884 Bottom 18.6% in $1B-$10B