BlastPoint's Banking Scorecard

The Pittsfield Co-operative Bank

$100M-$1B Specialty: Commercial MA FDIC cert 26393

Designations: ✓ Mutual

Pittsfield, MA

5 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 +4.4% year over year ($327.7M on the books).
Delinquency rate 0.36%.
Return on assets 0.20%.
Efficiency ratio 93.62% vs a 64.48% peer average.
Loan-to-deposit ratio 104.95% 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 Pittsfield Co-operative Bank has 1 strength but faces 4 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

+ Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 16.7% in tier
- Return on Assets 1.12% below tier average
- Efficiency Ratio 29.14% above tier average
- Net Interest Margin 0.86% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$451.5M +6.8% YoY +1.5% QoQ	+$64.9M	$386.6M +1.2% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	67%
Total Loans ?	$343.9M +19.8% YoY +4.0% QoQ	+$85.6M	$258.3M +1.7% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	73%
Total Deposits ?	$327.7M +4.4% YoY +1.4% QoQ	+$998K	$326.7M +0.7% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	60%
Return on Assets ?	0.20% +111.5% YoY +58.2% QoQ	-1.12%	1.32% +10.8% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 5.6% in tier
Net Interest Margin ?	3.13% +10.3% YoY +0.3% QoQ	-0.86%	3.99% +5.0% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 13.5% in tier
Efficiency Ratio ?	93.62% -7.9% YoY -2.3% QoQ	+29.14%	64.48% -3.2% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	Bottom 3.8% in tier
Delinquency Rate ?	0.36% -25.2% YoY +4.6% QoQ	-0.55%	0.92% +15.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	54%
Loan-to-Deposit Ratio ?	104.95% +14.8% YoY +2.6% QoQ	+26.99%	77.95% +1.0% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	Bottom 5.9% in tier
Non-Interest-Bearing Deposit Share ?	22.54% -9.6% YoY +0.5% QoQ	+0.51%	22.03% -0.6% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	57%
Nonperforming Asset Ratio ?	0.28% -16.0% YoY +7.1% QoQ	-0.39%	0.67% +16.4% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	53%
Tier 1 Capital Ratio ?	18.63% -14.1% YoY -2.4% QoQ	+2.72%	15.91% +1.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.28% +55.4% YoY +199.0% QoQ	-0.29%	0.57% +7.6% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	68%

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	22.5% -2.4pp YoY +0.1pp QoQ	+0.4pp	22.1%	16.2%	22.2%	57%
Brokered Deposits	4.6% +1.1pp YoY -0.3pp QoQ	-3.3pp	7.9%	6.1%	8.5%	49%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	9.8% -1.3pp YoY -0.3pp QoQ	-1.8pp	11.6%	6.5%	12.5%	51%
CRE	24.1% +2.2pp YoY +1.0pp QoQ	-15.4pp	39.5%	40.3%	41.4%	25%
1-4 Family	65.6% -0.9pp YoY -0.7pp QoQ	+32.9pp	32.6%	52.4%	31.3%	92%
Consumer	0.8% -0.3pp YoY -0.1pp QoQ	-3.3pp	4.1%	1.6%	5.0%	25%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	18.6% -3.1pp YoY -0.5pp QoQ	-0.2pp	18.8%	16.6%	19.7%	72%
Leverage Ratio	13.4% -1.4pp YoY -0.3pp QoQ	+1.2pp	12.2%	11.5%	12.6%	78%
Total Capital Ratio	19.4% -3.1pp YoY -0.5pp QoQ	-0.6pp	19.9%	17.5%	20.8%	71%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	73 +4 (+5.8%) YoY 0 QoQ	+14	58	755	482	73%
Assets per Employee ($)	$6.2M +0.9% YoY +1.5% QoQ	-$1.3M	$7.5M	$10.7M	$8.8M	37%
Branch Count	5 0 YoY 0 QoQ	0	4	13	18	55%

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	0.4% -0.1pp YoY 0.0pp QoQ	-0.6pp	0.9%	0.8%	1.0%	44%
Allowance Coverage	1.88x +15.1% YoY -8.1% QoQ	-22.28x	24.15x	7.95x	20.23x	46%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	44%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	1.6% +0.9pp YoY +0.6pp QoQ	-10.6pp	12.2%	5.6%	11.6%	5%
Cost of Funds (YTD)	2.0% +0.2pp YoY +0.1pp QoQ	+0.3pp	1.7%	2.0%	1.7%	71%
Net Income ($, YTD)	$441,000 +129.7% YoY — QoQ	-$2.1M	$2.6M	$31.7M	$40.4M	9%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#125 of 742 • Bottom 16.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.63%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 104.95%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

450

Tier 1 Capital Ratio

capital

Value: 18.63%

Peer Median: 15.91%

#450 of 2643 Top 17.0% in $100M-$1B

Top Weaknesses (4 metrics)

2544

Efficiency Ratio

profitability

Value: 93.62%

Peer Median: 64.48%

#2544 of 2643 Bottom 3.8% in $100M-$1B

2496

Return on Assets

profitability

Value: 0.20%

Peer Median: 1.32%

#2496 of 2643 Bottom 5.6% in $100M-$1B

2489

Loan-to-Deposit Ratio

liquidity

Value: 104.95%

Peer Median: 77.95%

#2489 of 2643 Bottom 5.9% in $100M-$1B

2288

Net Interest Margin

profitability

Value: 3.13%

Peer Median: 3.99%

#2288 of 2643 Bottom 13.5% in $100M-$1B