BlastPoint's Banking Scorecard
Fall River Five Cents Savings Bank
Designations: ✓ Community bank
Fall River, MA
18 branches across MA · RI
Fall River Five Cents Savings Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.23% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 3.3% in tier
- - Liquidity Strain: Bottom 29.6% in tier
- - Return on Assets 1.08% below tier average
- - Net Interest Margin 1.39% below tier average
- - Efficiency Ratio 26.81% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+0.5% YoY
+0.3% QoQ
|
-$920.3M |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$1.4B
-1.5% YoY
-1.7% QoQ
|
-$544.5M |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$1.4B
+0.7% YoY
+0.6% QoQ
|
-$972.9M |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
40% |
| Return on Assets ? |
0.29%
+555.6% YoY
-4.4% QoQ
|
-1.08% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 5.7% in tier |
| Net Interest Margin ? |
2.43%
+19.8% YoY
+8.3% QoQ
|
-1.39% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 4.8% in tier |
| Efficiency Ratio ? |
87.87%
-9.2% YoY
+4.3% QoQ
|
+26.81% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 4.0% in tier |
| Delinquency Rate ? |
0.66%
+165.8% YoY
+1.0% QoQ
|
-0.23% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
103.64%
-2.2% YoY
-2.3% QoQ
|
+19.44% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 8.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.50%
+2.1% YoY
+0.1% QoQ
|
-2.79% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.49%
+159.5% YoY
-1.0% QoQ
|
-0.18% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
45% |
| Tier 1 Capital Ratio ? |
11.68%
+6.8% YoY
+2.9% QoQ
|
-3.48% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.14%
+15.5% YoY
-79.3% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
50% |
Get Full Access to Fall River Five Cents Savings Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.