BlastPoint's Banking Scorecard

The National Grand Bank of Marblehead

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

Marblehead, MA

2 branches across MA

2664 banks in the $100M-$1B peer group nationally 39 in MA

The National Grand Bank of Marblehead has 2 strengths but faces 6 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 41.7% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 10.2% in tier
- Flatlined Growth: Bottom 10.3% in tier
- Deposit Outflow: Bottom 30.0% in tier
- Net Interest Margin 1.50% below tier average
- ROA 0.66% below tier average
- Efficiency Ratio 6.05% 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 ?	$442.3M -0.6% YoY -0.7% QoQ	+$56.2M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	66%
Total Loans ?	$322.7M +0.4% YoY -0.1% QoQ	+$66.9M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	71%
Total Deposits ?	$364.5M -2.5% YoY -1.4% QoQ	+$36.5M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	65%
Return on Assets ?	0.61% +49.1% YoY +14.0% QoQ	-0.66%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	17%
Net Interest Margin ?	2.43% +12.2% YoY +5.9% QoQ	-1.50%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Bottom 2.7% in tier
Efficiency Ratio ?	71.34% -11.7% YoY -3.7% QoQ	+6.05%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	29%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	88.53% +3.0% YoY +1.3% QoQ	+11.89%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	27%
Non-Interest-Bearing Deposit Share ?	28.55% -4.1% YoY -4.4% QoQ	+6.53%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	78%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.21% +1.9% YoY -0.1% QoQ	-5.62%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	Bottom 12.0% in tier
Non-Interest Income / Assets ?	0.08% -3.8% YoY -75.6% QoQ	-0.20%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	38%

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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 (1)

Credit Quality Leader

growth

#278 of 664 • Top 41.7% in tier

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

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (3)

Capital Thin

risk

#69 of 666 • Bottom 10.2% 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: 10.21%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#54 of 512 • Bottom 10.3% 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: 0.61%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#153 of 506 • Bottom 30.0% in tier

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

506 of 506 Community banks match · 656 nationally

→ Stable -8 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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

583

Non-Interest-Bearing Deposit Share

funding

Value: 28.55%

Peer Median: 22.02%

#583 of 2664 Top 21.8% in $100M-$1B

Top Weaknesses (3 metrics)

2592

Net Interest Margin

profitability

Value: 2.43%

Peer Median: 3.93%

#2592 of 2664 Bottom 2.7% in $100M-$1B

2345

Tier 1 Capital Ratio

capital

Value: 10.21%

Peer Median: 15.83%

#2345 of 2664 Bottom 12.0% in $100M-$1B

2220

Return on Assets

profitability

Value: 0.61%

Peer Median: 1.27%

#2220 of 2664 Bottom 16.7% in $100M-$1B