BlastPoint's Banking Scorecard

The Village Bank

$1B-$10B Specialty: Commercial MA FDIC cert 26336

Designations: ✓ Community bank ✓ Mutual

Newton, MA

11 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 +1.1% year over year ($1.8B on the books).
Delinquency rate 0.23%.
Return on assets 0.48%.
Efficiency ratio 75.85% vs a 59.73% peer average.
Loan-to-deposit ratio 94.05% 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) →

The Village Bank has 1 strength 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 0.5% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 16.9% in tier
- Liquidity Strain: Bottom 21.0% in tier
- Return on Assets 0.91% below tier average
- Net Interest Margin 1.25% below tier average
- Non-Interest Income / Assets 0.45% below tier average
- Efficiency Ratio 16.13% above tier average

Get updates when The Village 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 ?	$2.1B +2.0% YoY +1.7% QoQ	-$725.1M	$2.8B -0.6% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	52%
Total Loans ?	$1.7B +3.4% YoY +1.5% QoQ	-$271.7M	$2.0B -0.3% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	59%
Total Deposits ?	$1.8B +1.1% YoY -1.7% QoQ	-$520.3M	$2.3B -0.5% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	54%
Return on Assets ?	0.48% +47.4% YoY +24.5% QoQ	-0.91%	1.39% +17.0% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 7.0% in tier
Net Interest Margin ?	2.62% +24.1% YoY +2.9% QoQ	-1.25%	3.87% +6.2% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 6.2% in tier
Efficiency Ratio ?	75.85% -7.1% YoY -6.7% QoQ	+16.13%	59.73% -12.6% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	Bottom 11.1% in tier
Delinquency Rate ?	0.23% +296.9% YoY -31.9% QoQ	-0.63%	0.87% +11.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	76%
Loan-to-Deposit Ratio ?	94.05% +2.2% YoY +3.3% QoQ	+9.01%	85.04% -0.1% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	29%
Non-Interest-Bearing Deposit Share ?	19.81% +3.8% YoY +5.1% QoQ	-1.46%	21.27% -1.5% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	50%
Nonperforming Asset Ratio ?	0.19% +302.2% YoY -32.0% QoQ	-0.48%	0.67% +11.7% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	74%
Tier 1 Capital Ratio ?	14.74% +0.5% YoY -1.3% QoQ	-0.10%	14.84% -0.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.08% -4.0% YoY +94.2% QoQ	-0.45%	0.53% +2.5% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	Bottom 6.1% in tier

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	19.8% +0.7pp YoY +1.0pp QoQ	-1.6pp	21.4%	16.2%	22.2%	50%
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	2.1% +0.4pp YoY +0.2pp QoQ	-11.9pp	14.0%	6.5%	12.5%	6%
CRE	32.8% +1.0pp YoY +0.2pp QoQ	-17.2pp	50.0%	40.3%	41.4%	13%
1-4 Family	65.2% -1.3pp YoY -0.4pp QoQ	+38.8pp	26.4%	52.4%	31.3%	96%
Consumer	0.3% 0.0pp YoY 0.0pp QoQ	-4.4pp	4.7%	1.6%	5.0%	23%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	14.7% +0.1pp YoY -0.2pp QoQ	-0.9pp	15.6%	16.6%	19.7%	67%
Leverage Ratio	9.5% +0.5pp YoY +0.1pp QoQ	-1.8pp	11.3%	11.5%	12.6%	22%
Total Capital Ratio	15.4% +0.1pp YoY -0.2pp QoQ	-1.3pp	16.7%	17.5%	20.8%	63%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	150 +6 (+4.2%) YoY +7 (+4.9%) QoQ	-164	313	755	482	22%
Assets per Employee ($)	$13.8M -2.0% YoY -3.1% QoQ	+$3.3M	$10.5M	$10.7M	$8.8M	86%
Branch Count	11 0 YoY 0 QoQ	-9	20	13	18	35%

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	0.2% +0.2pp YoY -0.1pp QoQ	-0.6pp	0.8%	0.8%	1.0%	24%
Allowance Coverage	2.18x -73.4% YoY +48.5% QoQ	-16.53x	18.71x	7.95x	20.23x	52%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	14%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	5.7% +1.5pp YoY +1.1pp QoQ	-6.9pp	12.6%	5.6%	11.6%	10%
Cost of Funds (YTD)	2.3% -0.4pp YoY 0.0pp QoQ	+0.4pp	1.9%	2.0%	1.7%	79%
Net Income ($, YTD)	$4.9M +49.9% YoY — QoQ	-$14.3M	$19.2M	$31.7M	$40.4M	11%

Get Full Access to The Village Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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

#2 of 221 • Top 0.5% in tier

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

Why this signature

Delinquency Rate: 0.23%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ

Concerns (2)

Credit Risk Growth

risk

#69 of 402 • Bottom 16.9% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#77 of 361 • Bottom 21.0% 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: 94.05%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | 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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

213

Delinquency Rate

credit_quality

Value: 0.23%

Peer Median: 0.87%

#213 of 882 Top 24.0% in $1B-$10B

Top Weaknesses (4 metrics)

832

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.53%

#832 of 885 Bottom 6.1% in $1B-$10B

831

Net Interest Margin

profitability

Value: 2.62%

Peer Median: 3.87%

#831 of 885 Bottom 6.2% in $1B-$10B

824

Return on Assets

profitability

Value: 0.48%

Peer Median: 1.39%

#824 of 885 Bottom 7.0% in $1B-$10B

788

Efficiency Ratio

profitability

Value: 75.85%

Peer Median: 59.73%

#788 of 885 Bottom 11.1% in $1B-$10B