BlastPoint's Banking Scorecard
Auburn Savings Bank, FSB
Auburn, ME
2 branches across ME
Auburn Savings Bank, FSB has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 11.5% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.8% in tier
- - Credit Quality Pressure: Bottom 4.4% in tier
- - Flatlined Growth: Bottom 4.7% in tier
- - Return on Assets 1.01% below tier average
- - Net Interest Margin 1.00% below tier average
- - Efficiency Ratio 24.25% above tier average
- - Loan-to-Deposit Ratio 36.38% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$101.8M
+0.7% YoY
-0.4% QoQ
|
-$284.3M |
$386.1M
+0.5% YoY
|
$2.2B
+5.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.8% in tier |
| Total Loans ? |
$83.1M
+2.8% YoY
+0.3% QoQ
|
-$172.6M |
$255.7M
+1.1% YoY
|
$1.7B
+6.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 12.6% in tier |
| Total Deposits ? |
$73.6M
+1.8% YoY
-2.6% QoQ
|
-$254.4M |
$328.0M
+0.1% YoY
|
$1.7B
+2.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 0.6% in tier |
| Return on Assets ? |
0.25%
+17.9% YoY
-27.0% QoQ
|
-1.01% |
1.27%
+12.9% YoY
|
0.81%
+48.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.2% in tier |
| Net Interest Margin ? |
2.93%
+8.3% YoY
+2.3% QoQ
|
-1.00% |
3.93%
+6.0% YoY
|
3.42%
+9.8% YoY
|
3.89%
+5.7% YoY
|
Bottom 9.7% in tier |
| Efficiency Ratio ? |
89.53%
-1.0% YoY
+5.1% QoQ
|
+24.25% |
65.29%
-4.5% YoY
|
70.43%
-11.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.8% in tier |
| Delinquency Rate ? | 0.03% | -0.86% |
0.89%
+18.8% YoY
|
0.56%
+20.7% YoY
|
0.95%
+18.8% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
113.02%
+1.0% YoY
+3.0% QoQ
|
+36.38% |
76.64%
+0.8% YoY
|
100.20%
+2.7% YoY
|
76.70%
+0.9% YoY
|
Bottom 2.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.59%
-2.9% YoY
-1.0% QoQ
|
-7.43% |
22.02%
-1.0% YoY
|
16.54%
+3.4% YoY
|
22.01%
-1.2% YoY
|
23% |
| Nonperforming Asset Ratio ? | 0.02% | -0.62% |
0.64%
+19.7% YoY
|
0.47%
+26.7% YoY
|
0.67%
+19.3% YoY
|
83% |
| Tier 1 Capital Ratio ? |
12.49%
+2.6% YoY
+0.5% QoQ
|
-3.34% |
15.83%
+1.5% YoY
|
14.56%
+2.5% YoY
|
17.06%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.08%
-6.3% YoY
-78.4% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.13%
+1.6% YoY
|
0.32%
+4.1% YoY
|
40% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.