Visbanking Logo
Skip to main content

Androscoggin Savings Bank

IDRSSD: 132107
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 132107 held $1.8B in total assets as of 2026-03-31 (-2.8% quarter-over-quarter). Total loans stood at $1.5B (-0.3% QoQ) and total deposits at $1.4B (-2.3% QoQ).

Overall position is weak — the composite Health Score is 31/100 (Weak). Tier 1 / RWA stands at 12.91%, in the below median of peers. Asset quality (NPL ratio) sits in the below median of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
31/100
Weak
Active Alerts
1
0 critical, 1 warning
Total Assets
$1.8B
-2.8% QoQ
Total Loans
$1.5B
-0.3% QoQ
Total Deposits
$1.4B
-2.3% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
12.91%
37th pctile · n=358↑ better
+12 bp QoQ
CET1 / RWA
12.91%
56th pctile · n=500↑ better
+12 bp QoQ
Total RBC / RWA
13.94%
35th pctile · n=358↑ better
+12 bp QoQ
Tier 1 Leverage Ratio
12.91%
55th pctile · n=500↑ better
+12 bp QoQ

Liquidity

Cash / Assets
5.04%
44th pctile · n=500↑ better
-224 bp QoQ
Loans / Deposits
103.33%
91th pctile · n=496↓ better
+206 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.62%
59th pctile · n=500↓ better
+29 bp QoQ
NPA / Assets
0.52%
60th pctile · n=500↓ better
+25 bp QoQ
Texas Ratio (regulatory)
4.52%
62th pctile · n=500↓ better
+208 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
32th pctile · n=500↓ better
ALLL Coverage of NPL
155.33%
41th pctile · n=500↑ better
-13428 bp QoQ

Earnings

Net Interest Margin
2.88%
10th pctile · n=500↑ better
-26 bp QoQ
Return on Assets
0.55%
12th pctile · n=500↑ better
-15 bp QoQ
Return on Equity
5.38%
13th pctile · n=500↑ better
-154 bp QoQ
Efficiency Ratio
76.01%
85th pctile · n=500↓ better
+247 bp QoQ
Pre-tax NOI / Avg Assets
0.67%
11th pctile · n=500↑ better
-18 bp QoQ

Funding

Brokered / Deposits
24.93%
96th pctile · n=496↓ better
-217 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
8.71%
86th pctile · n=500↓ better
-63 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
7.13%
21th pctile · n=500↑ better
-3 bp QoQ
AFS Securities / Assets
6.87%
27th pctile · n=500↑ better
-2 bp QoQ
HTM Securities / Assets
0.17%
62th pctile · n=500↑ better
+0 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-12 19:50:43 UTC