BlastPoint's Banking Scorecard
Rockland Savings Bank, FSB
Designations: ✓ Community bank ✓ Mutual
Rockland, 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 536 banks in the under $100M peer group nationwide — 1 of 1 in ME.
- Deposits -6.4% year over year ($68.5M on the books).
- Delinquency rate 0.02%.
- Return on assets 0.34%.
- Efficiency ratio 87.88% vs a 119.40% peer average.
- Loan-to-deposit ratio 112.90% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Rockland Savings Bank, FSB has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 31.51% below tier average
- + Delinquency Rate 1.46% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 38.69% above tier average
- - ROA 0.66% below tier average
- - Net Interest Margin 0.12% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$90.8M
-2.6% YoY
-2.4% QoQ
|
+$28.3M |
$62.4M
-0.0% YoY
|
$2.2B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Top 12.3% in tier |
| Total Loans ? |
$77.3M
-2.6% YoY
-2.1% QoQ
|
+$42.4M |
$34.9M
-0.6% YoY
|
$1.7B
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Top 2.4% in tier |
| Total Deposits ? |
$68.5M
-6.4% YoY
-4.7% QoQ
|
+$16.8M |
$51.6M
-0.2% YoY
|
$1.7B
+2.6% YoY
|
$4.9B
+7.3% YoY
|
72% |
| Return on Assets ? |
0.34%
+229.2% YoY
-23.7% QoQ
|
-0.66% |
1.00%
+3.5% YoY
|
0.97%
+42.0% YoY
|
1.30%
+12.1% YoY
|
22% |
| Net Interest Margin ? |
3.80%
+10.6% YoY
+1.6% QoQ
|
-0.12% |
3.91%
+2.3% YoY
|
3.45%
+9.6% YoY
|
3.95%
+4.9% YoY
|
46% |
| Efficiency Ratio ? |
87.88%
-10.6% YoY
+3.9% QoQ
|
-31.51% |
119.40%
+49.6% YoY
|
70.51%
-8.6% YoY
|
70.05%
+2.5% YoY
|
20% |
| Delinquency Rate ? |
0.02%
-79.7% YoY
-75.9% QoQ
|
-1.46% |
1.48%
+31.8% YoY
|
0.57%
+7.0% YoY
|
0.98%
+16.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
112.90%
+4.1% YoY
+2.8% QoQ
|
+38.69% |
74.21%
+12.6% YoY
|
101.71%
+3.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 2.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.16%
+17.9% YoY
-9.8% QoQ
|
-5.33% |
23.49%
+0.6% YoY
|
16.78%
+2.2% YoY
|
21.98%
-0.6% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.02%
-79.7% YoY
-75.8% QoQ
|
-0.82% |
0.84%
+23.0% YoY
|
0.49%
+14.6% YoY
|
0.69%
+15.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
14.54%
+10.7% YoY
+3.6% QoQ
|
-12.58% |
27.13%
+3.0% YoY
|
14.51%
+1.8% YoY
|
17.09%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.10%
-1.7% YoY
+102.7% QoQ
|
-1.28% |
1.38%
+6.3% YoY
|
0.26%
-0.2% YoY
|
0.66%
+5.2% YoY
|
40% |
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 |
18.2%
+2.8pp YoY -2.0pp QoQ |
-6.5pp | 24.6% | 16.8% | 22.2% | 29% |
| Brokered Deposits | n/a | n/a | 9.8% | 12.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.1%
-1.7pp YoY -0.9pp QoQ |
+0.7pp | 13.4% | 8.7% | 12.5% | 65% |
| CRE |
13.5%
+0.9pp YoY -0.4pp QoQ |
-11.8pp | 25.2% | 38.6% | 41.4% | 25% |
| 1-4 Family |
72.4%
+1.0pp YoY +1.4pp QoQ |
+37.5pp | 35.0% | 49.6% | 31.3% | 88% |
| Consumer |
0.6%
-0.2pp YoY -0.1pp QoQ |
-7.0pp | 7.7% | 1.9% | 5.0% | 8% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.5%
+1.4pp YoY +0.5pp QoQ |
-24.1pp | 38.7% | 15.4% | 19.7% | 19% |
| Leverage Ratio |
9.7%
+0.5pp YoY +0.2pp QoQ |
-8.0pp | 17.7% | 11.6% | 12.6% | 14% |
| Total Capital Ratio |
15.6%
+1.5pp YoY +0.5pp QoQ |
-24.1pp | 39.7% | 16.4% | 20.8% | 20% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
+1 (+6.2%) YoY 0 QoQ |
+5 | 12 | 259 | 482 | 81% |
| Assets per Employee ($) |
$5.3M
-8.3% YoY -2.4% QoQ |
-$848K | $6.2M | $8.5M | $8.8M | 41% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 18 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.0%
-0.1pp YoY -0.1pp QoQ |
-1.7pp | 1.7% | 0.6% | 1.0% | 2% |
| Allowance Coverage |
36.94x
+403.5% YoY +328.3% QoQ |
+30.53x | 6.41x | 7.67x | 20.23x | 96% |
| Net Charge-off Rate (YTD) |
-0.0%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 30% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.4%
+2.3pp YoY -1.1pp QoQ |
-3.0pp | 6.4% | 8.8% | 11.6% | 26% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY 0.0pp QoQ |
+0.5pp | 1.4% | 2.0% | 1.7% | 82% |
| Net Income ($, YTD) |
$156,000
+225.0% YoY — QoQ |
-$162K | $317,817 | $12.8M | $40.4M | 30% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.