BlastPoint's Banking Scorecard

Bristol County Savings Bank

$1B-$10B Specialty: Commercial MA FDIC cert 23622

Taunton, MA

18 branches across MA · RI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
Deposits +5.4% year over year ($2.6B on the books).
Delinquency rate 0.60%.
Return on assets 0.63%.
Efficiency ratio 77.07% vs a 59.73% peer average.
Loan-to-deposit ratio 102.58% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $1B-$10B leaderboard (MA) →

Bristol County Savings Bank has 1 strength but faces 4 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 0.26% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 21.5% in tier
- Efficiency Ratio 17.34% above tier average
- ROA 0.77% below tier average
- Net Interest Margin 0.47% below tier average

Get updates when Bristol County Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$3.3B +8.9% YoY +3.2% QoQ	+$465.9M	$2.8B -0.6% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	74%
Total Loans ?	$2.7B +9.0% YoY +3.0% QoQ	+$744.7M	$2.0B -0.3% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	79%
Total Deposits ?	$2.6B +5.4% YoY -0.1% QoQ	+$320.9M	$2.3B -0.5% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	73%
Return on Assets ?	0.63% +15.8% YoY -11.3% QoQ	-0.77%	1.39% +17.0% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 10.2% in tier
Net Interest Margin ?	3.40% +8.6% YoY +0.7% QoQ	-0.47%	3.87% +6.2% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	31%
Efficiency Ratio ?	77.07% +1.3% YoY -0.5% QoQ	+17.34%	59.73% -12.6% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	Bottom 9.5% in tier
Delinquency Rate ?	0.60% -4.9% YoY +0.2% QoQ	-0.26%	0.87% +11.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	44%
Loan-to-Deposit Ratio ?	102.58% +3.4% YoY +3.1% QoQ	+17.55%	85.04% -0.1% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	Bottom 9.8% in tier
Non-Interest-Bearing Deposit Share ?	14.95% +0.2% YoY +4.7% QoQ	-6.32%	21.27% -1.5% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	27%
Nonperforming Asset Ratio ?	0.50% -4.8% YoY -0.0% QoQ	-0.17%	0.67% +11.7% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	44%
Tier 1 Capital Ratio ?	17.84% -2.3% YoY -1.3% QoQ	+3.00%	14.84% -0.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	Top 12.1% in tier
Non-Interest Income / Assets ?	0.36% +32.0% YoY +118.4% QoQ	-0.17%	0.53% +2.5% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	65%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Noninterest-Bearing	15.0% 0.0pp YoY +0.7pp QoQ	-6.4pp	21.4%	16.2%	22.2%	27%
Brokered Deposits	n/a	n/a	9.5%	6.1%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	7.5% +1.5pp YoY +0.6pp QoQ	-6.5pp	14.0%	6.5%	12.5%	30%
CRE	44.0% -0.2pp YoY -0.2pp QoQ	-6.0pp	50.0%	40.3%	41.4%	33%
1-4 Family	40.1% -0.1pp YoY -0.5pp QoQ	+13.6pp	26.4%	52.4%	31.3%	82%
Consumer	9.1% -1.4pp YoY -0.2pp QoQ	+4.4pp	4.7%	1.6%	5.0%	88%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	17.8% -0.4pp YoY -0.2pp QoQ	+2.2pp	15.6%	16.6%	19.7%	86%
Leverage Ratio	14.4% -0.1pp YoY 0.0pp QoQ	+3.1pp	11.3%	11.5%	12.6%	91%
Total Capital Ratio	18.9% -0.4pp YoY -0.2pp QoQ	+2.2pp	16.7%	17.5%	20.8%	86%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	539 +137 (+34.1%) YoY +105 (+24.2%) QoQ	+225	313	755	482	86%
Assets per Employee ($)	$6.0M -18.8% YoY -16.9% QoQ	-$4.4M	$10.5M	$10.7M	$8.8M	12%
Branch Count	18 0 YoY 0 QoQ	-2	20	13	18	60%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.6% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.8%	0.8%	1.0%	57%
Allowance Coverage	1.56x +1.5% YoY -0.8% QoQ	-17.15x	18.71x	7.95x	20.23x	39%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	58%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	4.3% +0.6pp YoY -0.5pp QoQ	-8.3pp	12.6%	5.6%	11.6%	6%
Cost of Funds (YTD)	1.7% -0.1pp YoY 0.0pp QoQ	-0.3pp	1.9%	2.0%	1.7%	33%
Net Income ($, YTD)	$9.9M +22.4% YoY — QoQ	-$9.3M	$19.2M	$31.7M	$40.4M	39%

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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 (1)

Liquidity Overhang

risk

#38 of 172 • Bottom 21.5% 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: 17.84%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 102.58%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (2 metrics)

108

Tier 1 Capital Ratio

capital

Value: 17.84%

Peer Median: 14.84%

#108 of 885 Top 12.1% in $1B-$10B

187

Total Loans

size

Value: $2.71B

Peer Median: $1.96B

#187 of 885 Top 21.0% in $1B-$10B

Top Weaknesses (3 metrics)

802

Efficiency Ratio

profitability

Value: 77.07%

Peer Median: 59.73%

#802 of 885 Bottom 9.5% in $1B-$10B

799

Loan-to-Deposit Ratio

liquidity

Value: 102.58%

Peer Median: 85.04%

#799 of 885 Bottom 9.8% in $1B-$10B

796

Return on Assets

profitability

Value: 0.63%

Peer Median: 1.39%

#796 of 885 Bottom 10.2% in $1B-$10B