BlastPoint's Banking Scorecard
Country Bank for Savings
Designations: ✓ Community bank
Ware, MA
16 branches across MA
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 +15.5% year over year ($1.7B on the books).
- Delinquency rate 1.15%.
- Return on assets 0.81%.
- Efficiency ratio 69.99% vs a 59.73% peer average.
- Loan-to-deposit ratio 100.58% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Country Bank for Savings faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
- - Net Interest Margin 0.48% below tier average
- - Efficiency Ratio 10.26% above tier average
- - Delinquency Rate 0.29% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+4.1% YoY
+0.7% QoQ
|
-$556.3M |
$2.8B
-0.6% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
55% |
| Total Loans ? |
$1.7B
+4.6% YoY
+0.5% QoQ
|
-$224.3M |
$2.0B
-0.3% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
60% |
| Total Deposits ? |
$1.7B
+15.5% YoY
+2.8% QoQ
|
-$590.0M |
$2.3B
-0.5% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
52% |
| Return on Assets ? |
0.81%
+70.2% YoY
+19.7% QoQ
|
-0.58% |
1.39%
+17.0% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
3.39%
+9.7% YoY
+3.7% QoQ
|
-0.48% |
3.87%
+6.2% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
31% |
| Efficiency Ratio ? |
69.99%
-10.9% YoY
-4.1% QoQ
|
+10.26% |
59.73%
-12.6% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
1.15%
-7.3% YoY
-2.4% QoQ
|
+0.29% |
0.87%
+11.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
100.58%
-9.5% YoY
-2.3% QoQ
|
+15.55% |
85.04%
-0.1% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 13.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.12%
-8.7% YoY
-2.2% QoQ
|
-0.15% |
21.27%
-1.5% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.90%
-6.9% YoY
-2.6% QoQ
|
+0.22% |
0.67%
+11.7% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
14.84%
-0.1% YoY
+0.0% QoQ
|
+0.00% |
14.84%
-0.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.21%
+20.3% YoY
+103.7% QoQ
|
-0.32% |
0.53%
+2.5% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
33% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
21.1%
-2.0pp YoY -0.5pp QoQ |
-0.3pp | 21.4% | 16.2% | 22.2% | 56% |
| Brokered Deposits |
4.1%
-1.1pp YoY -1.9pp QoQ |
-5.3pp | 9.5% | 6.1% | 8.5% | 42% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.5%
-0.6pp YoY -0.3pp QoQ |
-12.5pp | 14.0% | 6.5% | 12.5% | 4% |
| CRE |
64.2%
+1.6pp YoY -0.1pp QoQ |
+14.2pp | 50.0% | 40.3% | 41.4% | 82% |
| 1-4 Family |
34.6%
-0.9pp YoY +0.4pp QoQ |
+8.2pp | 26.4% | 52.4% | 31.3% | 74% |
| Consumer |
0.5%
0.0pp YoY 0.0pp QoQ |
-4.2pp | 4.7% | 1.6% | 5.0% | 33% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 16.6% | 19.7% | n/a |
| Leverage Ratio |
14.8%
0.0pp YoY 0.0pp QoQ |
+3.5pp | 11.3% | 11.5% | 12.6% | 93% |
| Total Capital Ratio | n/a | n/a | 16.7% | 17.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
241
+16 (+7.1%) YoY +4 (+1.7%) QoQ |
-73 | 313 | 755 | 482 | 52% |
| Assets per Employee ($) |
$9.3M
-2.8% YoY -1.0% QoQ |
-$1.2M | $10.5M | $10.7M | $8.8M | 58% |
| Branch Count |
15
+1 (+7.1%) YoY 0 QoQ |
-5 | 20 | 13 | 18 | 50% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
1.2%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 0.8% | 0.8% | 1.0% | 77% |
| Allowance Coverage |
0.86x
+15.5% YoY +1.9% QoQ |
-17.85x | 18.71x | 7.95x | 20.23x | 18% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 21% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.7%
+2.4pp YoY +0.9pp QoQ |
-6.9pp | 12.6% | 5.6% | 11.6% | 10% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.9% | 2.0% | 1.7% | 44% |
| Net Income ($, YTD) |
$9.0M
+82.7% YoY — QoQ |
-$10.2M | $19.2M | $31.7M | $40.4M | 34% |
Get Full Access to Country Bank for Savings
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.