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The National Grand Bank of Marblehead

$100M-$1B Specialty: Mortgage MA FDIC cert 2608

Marblehead, MA

2 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
  • Deposits -0.3% year over year ($365.8M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 0.60%.
  • Efficiency ratio 72.72% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.18% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 39 in MA
View $100M-$1B leaderboard (MA) →

The National Grand Bank of Marblehead has 1 strength but faces 8 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

  • + Credit Quality Leader: Top 4.1% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 5.1% in tier
  • - Credit Quality Pressure: Bottom 9.1% in tier
  • - Liquidity Strain: Bottom 12.2% in tier
  • - Flatlined Growth: Bottom 15.5% in tier
  • - Capital Thin: Bottom 18.8% in tier
  • - Net Interest Margin 1.50% below tier average
  • - ROA 0.73% below tier average
  • - Efficiency Ratio 8.24% above tier average
Get updates when The National Grand Bank of Marblehead releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $444.8M
+0.7% YoY +0.6% QoQ
+$58.3M $386.6M
+1.2% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
66%
Total Loans ? $329.9M
+3.1% YoY +2.2% QoQ
+$71.6M $258.3M
+1.7% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
71%
Total Deposits ? $365.8M
-0.3% YoY +0.4% QoQ
+$39.1M $326.7M
+0.7% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
65%
Return on Assets ? 0.60%
+29.9% YoY -2.6% QoQ
-0.73% 1.32%
+10.8% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
15%
Net Interest Margin ? 2.48%
+11.0% YoY +2.2% QoQ
-1.50% 3.99%
+5.0% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 2.9% in tier
Efficiency Ratio ? 72.72%
-5.2% YoY +1.9% QoQ
+8.24% 64.48%
-3.2% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
24%
Delinquency Rate ? 0.05% -0.87% 0.92%
+15.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
80%
Loan-to-Deposit Ratio ? 90.18%
+3.5% YoY +1.9% QoQ
+12.23% 77.95%
+1.0% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
26%
Non-Interest-Bearing Deposit Share ? 28.88%
+1.2% YoY +1.1% QoQ
+6.85% 22.03%
-0.6% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
79%
Nonperforming Asset Ratio ? 0.03% -0.64% 0.67%
+16.4% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
81%
Tier 1 Capital Ratio ? 10.31%
+3.0% YoY +0.9% QoQ
-5.60% 15.91%
+1.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
Bottom 14.4% in tier
Non-Interest Income / Assets ? 0.16%
-0.7% YoY +107.5% QoQ
-0.40% 0.57%
+7.6% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
39%

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 28.9%
+0.3pp YoY
+0.3pp QoQ
 +6.7pp 22.1% 16.2% 22.2% 79%
Brokered Deposits 2.3%
-3.1pp YoY
-0.3pp QoQ
 -5.5pp 7.9% 6.1% 8.5% 33%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 1.0%
+0.1pp YoY
+0.1pp QoQ
 -10.5pp 11.6% 6.5% 12.5% 4%
CRE n/a n/a 39.5% 40.3% 41.4% n/a
1-4 Family 95.4%
+0.3pp YoY
+0.4pp QoQ
 +62.8pp 32.6% 52.4% 31.3% 99%
Consumer 0.5%
0.0pp YoY
0.0pp QoQ
 -3.6pp 4.1% 1.6% 5.0% 17%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.6% 19.7% n/a
Leverage Ratio 10.3%
+0.3pp YoY
+0.1pp QoQ
 -1.9pp 12.2% 11.5% 12.6% 38%
Total Capital Ratio n/a n/a 19.9% 17.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 42
-4 (-8.7%) YoY
+1 (+2.4%) QoQ
 -17 58 755 482 44%
Assets per Employee ($) $10.6M
+10.3% YoY
-1.8% QoQ
 +$3.1M $7.5M $10.7M $8.8M 88%
Branch Count 2
0 YoY
0 QoQ
 -3 4 13 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.0% -0.9pp 0.9% 0.8% 1.0% 10%
Allowance Coverage 7.73x -16.42x 24.15x 7.95x 20.23x 78%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 6.4%
+1.1pp YoY
-0.2pp QoQ
 -5.8pp 12.2% 5.6% 11.6% 18%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.7% 2.0% 1.7% 53%
Net Income ($, YTD) $1.3M
+30.7% YoY
— QoQ
 -$1.2M $2.6M $31.7M $40.4M 37%

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 (1)

Credit Quality Leader

growth
#28 of 659 • Top 4.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (5)

Credit Risk Growth

risk
#49 of 936 • Bottom 5.1% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#115 of 1256 • Bottom 9.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Liquidity Strain

risk
#85 of 691 • Bottom 12.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.18%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Flatlined Growth

risk
#83 of 529 • Bottom 15.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.60%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Capital Thin

risk
#125 of 661 • Bottom 18.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.31%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

496
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#496 of 2643 Top 18.7% in $100M-$1B
526
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#526 of 2633 Top 19.9% in $100M-$1B
558
Non-Interest-Bearing Deposit Share
funding
Value: 28.88%
Peer Median: 22.03%
#558 of 2643 Top 21.1% in $100M-$1B

Top Weaknesses (4 metrics)

2568
Net Interest Margin
profitability
Value: 2.48%
Peer Median: 3.99%
#2568 of 2643 Bottom 2.9% in $100M-$1B
2263
Tier 1 Capital Ratio
capital
Value: 10.31%
Peer Median: 15.91%
#2263 of 2643 Bottom 14.4% in $100M-$1B
2245
Return on Assets
profitability
Value: 0.60%
Peer Median: 1.32%
#2245 of 2643 Bottom 15.1% in $100M-$1B
2001
Efficiency Ratio
profitability
Value: 72.72%
Peer Median: 64.48%
#2001 of 2643 Bottom 24.3% in $100M-$1B
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