BlastPoint's Banking Scorecard
Rockland Savings Bank, FSB
Designations: ✓ Community bank ✓ Mutual
Rockland, ME
Rockland Savings Bank, FSB has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.07% below tier average
- + Delinquency Rate 1.27% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 45.69% above tier average
- - ROA 0.41% below tier average
- - Net Interest Margin 0.13% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$93.0M
-0.5% YoY
-0.0% QoQ
|
+$30.7M |
$62.3M
-0.5% YoY
|
$2.2B
+5.5% YoY
|
$6.2B
+9.0% YoY
|
Top 8.9% in tier |
| Total Loans ? |
$78.9M
-1.6% YoY
-0.0% QoQ
|
+$44.6M |
$34.3M
-1.5% YoY
|
$1.7B
+6.5% YoY
|
$3.2B
+10.7% YoY
|
Top 1.1% in tier |
| Total Deposits ? |
$71.9M
-1.0% YoY
-1.1% QoQ
|
+$20.1M |
$51.8M
-0.6% YoY
|
$1.7B
+2.2% YoY
|
$4.8B
+8.0% YoY
|
77% |
| Return on Assets ? |
0.44%
+418.3% YoY
+276.1% QoQ
|
-0.41% |
0.86%
-3.6% YoY
|
0.81%
+48.6% YoY
|
1.24%
+13.1% YoY
|
28% |
| Net Interest Margin ? |
3.74%
+6.6% YoY
+8.3% QoQ
|
-0.13% |
3.87%
+2.7% YoY
|
3.42%
+9.8% YoY
|
3.89%
+5.7% YoY
|
46% |
| Efficiency Ratio ? |
84.56%
-12.1% YoY
-12.1% QoQ
|
-3.07% |
87.63%
+2.3% YoY
|
70.43%
-11.2% YoY
|
66.84%
-3.8% YoY
|
27% |
| Delinquency Rate ? |
0.09%
-16.8% YoY
-7.7% QoQ
|
-1.27% |
1.36%
+33.7% YoY
|
0.56%
+20.7% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
109.80%
-0.6% YoY
+1.1% QoQ
|
+45.69% |
64.11%
-0.9% YoY
|
100.20%
+2.7% YoY
|
76.69%
+0.9% YoY
|
Bottom 3.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.13%
+34.6% YoY
+3.7% QoQ
|
-3.65% |
23.79%
+0.5% YoY
|
16.54%
+3.4% YoY
|
22.01%
-1.1% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.08%
-17.8% YoY
-7.7% QoQ
|
-0.70% |
0.77%
+28.7% YoY
|
0.47%
+26.7% YoY
|
0.66%
+19.3% YoY
|
62% |
| Tier 1 Capital Ratio ? |
14.04%
+7.9% YoY
+3.5% QoQ
|
-12.73% |
26.77%
+2.0% YoY
|
14.56%
+2.5% YoY
|
17.06%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.05%
+2.7% YoY
-76.8% QoQ
|
-0.62% |
0.67%
+1.6% YoY
|
0.13%
+1.6% YoY
|
0.32%
+4.0% YoY
|
42% |
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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.