BlastPoint's Banking Scorecard
Auburn Savings Bank, FSB
$100M-$1B
Specialty: Mortgage
ME
FDIC cert 28288
Auburn, ME
2 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 6 in ME.
- Deposits -0.7% year over year ($75.9M on the books).
- Delinquency rate 0.02%.
- Return on assets 0.18%.
- Efficiency ratio 92.95% vs a 64.48% peer average.
- Loan-to-deposit ratio 111.57% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
2643
banks in the $100M-$1B peer group nationally
6 in ME
View $100M-$1B leaderboard (ME) →
Auburn Savings Bank, FSB has 1 strength but faces 4 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 0.89% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.14% below tier average
- - Efficiency Ratio 28.47% above tier average
- - Loan-to-Deposit Ratio 33.62% above tier average
- - Net Interest Margin 0.96% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$103.2M
+0.5% YoY
+1.4% QoQ
|
-$283.3M |
$386.6M
+1.2% YoY
|
$2.2B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 0.7% in tier |
| Total Loans ? |
$84.7M
+3.8% YoY
+1.9% QoQ
|
-$173.6M |
$258.3M
+1.7% YoY
|
$1.7B
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 12.4% in tier |
| Total Deposits ? |
$75.9M
-0.7% YoY
+3.2% QoQ
|
-$250.8M |
$326.7M
+0.7% YoY
|
$1.7B
+2.6% YoY
|
$4.9B
+7.3% YoY
|
Bottom 0.8% in tier |
| Return on Assets ? |
0.18%
-27.2% YoY
-29.5% QoQ
|
-1.14% |
1.32%
+10.8% YoY
|
0.97%
+42.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 5.2% in tier |
| Net Interest Margin ? |
3.03%
+10.7% YoY
+3.1% QoQ
|
-0.96% |
3.99%
+5.0% YoY
|
3.45%
+9.6% YoY
|
3.95%
+4.9% YoY
|
Bottom 10.6% in tier |
| Efficiency Ratio ? |
92.95%
+4.1% YoY
+3.8% QoQ
|
+28.47% |
64.48%
-3.2% YoY
|
70.51%
-8.6% YoY
|
70.05%
+2.5% YoY
|
Bottom 4.0% in tier |
| Delinquency Rate ? |
0.02%
-79.6% YoY
-1.8% QoQ
|
-0.89% |
0.92%
+15.7% YoY
|
0.57%
+7.0% YoY
|
0.98%
+16.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
111.57%
+4.5% YoY
-1.3% QoQ
|
+33.62% |
77.95%
+1.0% YoY
|
101.71%
+3.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 2.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.42%
-2.9% YoY
-8.0% QoQ
|
-8.61% |
22.03%
-0.6% YoY
|
16.78%
+2.2% YoY
|
21.98%
-0.6% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.02%
-78.9% YoY
-1.4% QoQ
|
-0.65% |
0.67%
+16.4% YoY
|
0.49%
+14.6% YoY
|
0.69%
+15.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
11.84%
-1.2% YoY
-5.2% QoQ
|
-4.07% |
15.91%
+1.4% YoY
|
14.51%
+1.8% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.17%
-2.2% YoY
+107.9% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.26%
-0.2% YoY
|
0.66%
+5.2% YoY
|
41% |
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 |
13.4%
-0.4pp YoY -1.2pp QoQ |
-8.7pp | 22.1% | 16.8% | 22.2% | 18% |
| Brokered Deposits |
9.4%
+0.2pp YoY -0.3pp QoQ |
+1.5pp | 7.9% | 12.9% | 8.5% | 73% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.0%
-1.2pp YoY -0.4pp QoQ |
-7.6pp | 11.6% | 8.7% | 12.5% | 14% |
| CRE |
19.8%
+2.6pp YoY +0.5pp QoQ |
-19.8pp | 39.5% | 38.6% | 41.4% | 18% |
| 1-4 Family |
72.9%
-0.9pp YoY +0.3pp QoQ |
+40.3pp | 32.6% | 49.6% | 31.3% | 95% |
| Consumer |
3.6%
-0.5pp YoY -0.4pp QoQ |
-0.5pp | 4.1% | 1.9% | 5.0% | 67% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.8%
-0.2pp YoY -0.7pp QoQ |
-7.0pp | 18.8% | 15.4% | 19.7% | 15% |
| Leverage Ratio |
8.0%
+0.1pp YoY -0.3pp QoQ |
-4.1pp | 12.2% | 11.6% | 12.6% | 2% |
| Total Capital Ratio |
13.0%
-0.2pp YoY -0.7pp QoQ |
-6.9pp | 19.9% | 16.4% | 20.8% | 16% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
+2 (+13.3%) YoY +1 (+6.2%) QoQ |
-42 | 58 | 259 | 482 | 7% |
| Assets per Employee ($) |
$6.1M
-11.3% YoY -4.6% QoQ |
-$1.4M | $7.5M | $8.5M | $8.8M | 35% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 18 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.6% | 1.0% | 6% |
| Allowance Coverage |
38.52x
+377.3% YoY 0.0% QoQ |
+14.37x | 24.15x | 7.67x | 20.23x | 93% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.7%
-1.4pp YoY -1.1pp QoQ |
-9.5pp | 12.2% | 8.8% | 11.6% | 8% |
| Cost of Funds (YTD) |
2.4%
-0.2pp YoY +0.1pp QoQ |
+0.7pp | 1.7% | 2.0% | 1.7% | 87% |
| Net Income ($, YTD) |
$92,000
-27.0% YoY — QoQ |
-$2.5M | $2.6M | $12.8M | $40.4M | 4% |
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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 (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).
Top Strengths (2 metrics)
427
Nonperforming Asset Ratio
credit_quality
Value:
0.02%
Peer Median: 0.67%
#427 of 2643
Top 16.1% in $100M-$1B
440
Delinquency Rate
credit_quality
Value:
0.02%
Peer Median: 0.92%
#440 of 2633
Top 16.7% in $100M-$1B
Top Weaknesses (8 metrics)
2626
Total Assets
size
Value:
$103.25M
Peer Median: $386.57M
#2626 of 2643
Bottom 0.7% in $100M-$1B
2624
Total Deposits
size
Value:
$75.92M
Peer Median: $326.73M
#2624 of 2643
Bottom 0.8% in $100M-$1B
2579
Loan-to-Deposit Ratio
liquidity
Value:
111.57%
Peer Median: 77.95%
#2579 of 2643
Bottom 2.5% in $100M-$1B
2537
Efficiency Ratio
profitability
Value:
92.95%
Peer Median: 64.48%
#2537 of 2643
Bottom 4.0% in $100M-$1B
2506
Return on Assets
profitability
Value:
0.18%
Peer Median: 1.32%
#2506 of 2643
Bottom 5.2% in $100M-$1B
2364
Net Interest Margin
profitability
Value:
3.03%
Peer Median: 3.99%
#2364 of 2643
Bottom 10.6% in $100M-$1B
2316
Total Loans
size
Value:
$84.71M
Peer Median: $258.35M
#2316 of 2643
Bottom 12.4% in $100M-$1B
2148
Non-Interest-Bearing Deposit Share
funding
Value:
13.42%
Peer Median: 22.03%
#2148 of 2643
Bottom 18.8% in $100M-$1B