BlastPoint's Banking Scorecard
Bristol County Savings Bank
Taunton, MA
18 branches across MA · RI
Bristol County Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.29% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 24.7% in tier
- - ROA 0.66% below tier average
- - Net Interest Margin 0.44% below tier average
- - Efficiency Ratio 16.37% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.2B
+4.2% YoY
+1.1% QoQ
|
+$342.0M |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
72% |
| Total Loans ? |
$2.6B
+9.6% YoY
-0.0% QoQ
|
+$663.8M |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
78% |
| Total Deposits ? |
$2.6B
+3.6% YoY
+3.5% QoQ
|
+$298.6M |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
0.70%
+93.8% YoY
+17.2% QoQ
|
-0.66% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
17% |
| Net Interest Margin ? |
3.37%
+11.6% YoY
+2.6% QoQ
|
-0.44% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
33% |
| Efficiency Ratio ? |
77.43%
-0.7% YoY
+4.0% QoQ
|
+16.37% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.2% in tier |
| Delinquency Rate ? |
0.60%
-8.9% YoY
-7.3% QoQ
|
-0.29% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
99.50%
+5.7% YoY
-3.5% QoQ
|
+15.29% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 14.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.28%
-4.0% YoY
-4.2% QoQ
|
-7.01% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.50%
-4.2% YoY
-8.4% QoQ
|
-0.17% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
18.08%
-3.9% YoY
+1.7% QoQ
|
+2.92% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
Top 11.3% in tier |
| Non-Interest Income / Assets ? |
0.16%
+26.7% YoY
-73.4% QoQ
|
-0.09% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
59% |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.