BlastPoint's Banking Scorecard

Watertown Savings Bank

$1B-$10B Specialty: Mortgage MA FDIC cert 23298

Designations: ✓ Community bank ✓ Mutual

Watertown, MA

10 branches across MA

884 banks in the $1B-$10B peer group nationally 46 in MA

Watertown Savings Bank has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 8.3% in tier
- Deposit Outflow: Bottom 15.4% in tier
- Liquidity Overhang: Bottom 42.0% in tier
- Non-Interest-Bearing Deposit Share 13.23% below tier average
- ROA 0.67% below tier average
- Net Interest Margin 0.84% below tier average
- Efficiency Ratio 9.32% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$1.4B -3.6% YoY +0.7% QoQ	-$1.4B	$2.8B -0.1% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	31%
Total Loans ?	$631.5M +1.4% YoY -0.5% QoQ	-$1.3B	$2.0B +0.6% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	Bottom 5.5% in tier
Total Deposits ?	$1.3B -5.0% YoY +0.8% QoQ	-$1.1B	$2.3B -0.3% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	35%
Return on Assets ?	0.70% +26.0% YoY +12.6% QoQ	-0.67%	1.37% +19.6% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	17%
Net Interest Margin ?	2.97% +18.0% YoY +11.3% QoQ	-0.84%	3.82% +6.9% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	16%
Efficiency Ratio ?	70.38% -3.2% YoY -1.2% QoQ	+9.32%	61.06% -4.6% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	22%
Delinquency Rate ?	0.26% +272.2% YoY -19.8% QoQ	-0.62%	0.89% +14.1% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	73%
Loan-to-Deposit Ratio ?	50.14% +6.8% YoY -1.3% QoQ	-34.07%	84.20% +0.3% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	Top 4.1% in tier
Non-Interest-Bearing Deposit Share ?	8.06% -2.3% YoY -2.8% QoQ	-13.23%	21.29% -2.5% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	Bottom 8.3% in tier
Nonperforming Asset Ratio ?	0.12% +291.5% YoY -20.8% QoQ	-0.56%	0.67% +15.6% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	83%
Tier 1 Capital Ratio ?	28.92% +5.0% YoY +0.6% QoQ	+13.76%	15.16% +2.0% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	Top 2.5% in tier
Non-Interest Income / Assets ?	0.06% +5.1% YoY -75.8% QoQ	-0.20%	0.26% +1.6% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	Bottom 14.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk

#36 of 420 • Bottom 8.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#21 of 130 • Bottom 15.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

130 of 130 Mid-Market banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#74 of 174 • Bottom 42.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 28.92%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 50.14%

(Tier: 84.20%, National: 76.70%)

better than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Tier 1 Capital Ratio

capital

Value: 28.92%

Peer Median: 15.16%

#23 of 884 Top 2.5% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 50.14%

Peer Median: 84.20%

#37 of 884 Top 4.1% in $1B-$10B

148

Nonperforming Asset Ratio

credit_quality

Value: 0.12%

Peer Median: 0.67%

#148 of 884 Top 16.6% in $1B-$10B

Top Weaknesses (6 metrics)

836

Total Loans

size

Value: $631.52M

Peer Median: $1.96B

#836 of 884 Bottom 5.5% in $1B-$10B

812

Non-Interest-Bearing Deposit Share

funding

Value: 8.06%

Peer Median: 21.29%

#812 of 884 Bottom 8.3% in $1B-$10B

753

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.26%

#753 of 884 Bottom 14.9% in $1B-$10B

746

Net Interest Margin

profitability

Value: 2.97%

Peer Median: 3.82%

#746 of 884 Bottom 15.7% in $1B-$10B

738

Return on Assets

profitability

Value: 0.70%

Peer Median: 1.37%

#738 of 884 Bottom 16.6% in $1B-$10B

690

Efficiency Ratio

profitability

Value: 70.38%

Peer Median: 61.06%

#690 of 884 Bottom 22.1% in $1B-$10B