BlastPoint's Banking Scorecard
The Village Bank
Designations: ✓ Community bank ✓ Mutual
Newton, MA
11 branches across MA
The Village Bank has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.55% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 4.7% in tier
- - Liquidity Strain: Bottom 7.8% in tier
- - Credit Risk Growth: Bottom 12.9% in tier
- - Efficiency Drag: Bottom 24.3% in tier
- - Return on Assets 0.98% below tier average
- - Net Interest Margin 1.27% below tier average
- - Non-Interest Income / Assets 0.22% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+0.0% YoY
-0.7% QoQ
|
-$781.9M |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
51% |
| Total Loans ? |
$1.7B
+1.3% YoY
+0.4% QoQ
|
-$298.6M |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$1.8B
+5.8% YoY
+1.3% QoQ
|
-$513.6M |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
55% |
| Return on Assets ? |
0.39%
+16.6% YoY
-14.8% QoQ
|
-0.98% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.5% in tier |
| Net Interest Margin ? |
2.55%
+25.0% YoY
+14.7% QoQ
|
-1.27% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 6.2% in tier |
| Efficiency Ratio ? |
81.28%
+0.6% YoY
+8.0% QoQ
|
+20.22% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.2% in tier |
| Delinquency Rate ? |
0.34%
+468.6% YoY
+10.2% QoQ
|
-0.55% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
91.07%
-4.2% YoY
-0.9% QoQ
|
+6.86% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
18.84%
-2.2% YoY
+0.2% QoQ
|
-2.45% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.28%
+476.2% YoY
+11.5% QoQ
|
-0.39% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
65% |
| Tier 1 Capital Ratio ? |
14.94%
+3.5% YoY
+1.5% QoQ
|
-0.22% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.04%
-3.0% YoY
-82.9% QoQ
|
-0.22% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.7% in tier |
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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 (4)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.