BlastPoint's Banking Scorecard
The Pittsfield Co-operative Bank
Designations: ✓ Mutual
Pittsfield, MA
5 branches across MA
The Pittsfield Co-operative Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 14.9% in tier
- - Return on Assets 1.14% below tier average
- - Efficiency Ratio 30.58% above tier average
- - Net Interest Margin 0.81% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$444.7M
+10.0% YoY
+2.9% QoQ
|
+$58.6M |
$386.1M
+0.5% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
67% |
| Total Loans ? |
$330.7M
+20.2% YoY
+3.6% QoQ
|
+$75.0M |
$255.7M
+1.1% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$323.2M
+8.0% YoY
+2.9% QoQ
|
-$4.8M |
$328.0M
+0.1% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
58% |
| Return on Assets ? |
0.13%
+103.1% YoY
+141.2% QoQ
|
-1.14% |
1.27%
+12.9% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 5.2% in tier |
| Net Interest Margin ? |
3.12%
+10.9% YoY
+5.5% QoQ
|
-0.81% |
3.93%
+6.0% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
15% |
| Efficiency Ratio ? |
95.86%
-3.5% YoY
-8.3% QoQ
|
+30.58% |
65.29%
-4.5% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 3.6% in tier |
| Delinquency Rate ? |
0.35%
-18.9% YoY
-0.8% QoQ
|
-0.54% |
0.89%
+18.8% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
102.32%
+11.3% YoY
+0.7% QoQ
|
+25.69% |
76.64%
+0.8% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.43%
-13.6% YoY
-2.8% QoQ
|
+0.41% |
22.02%
-1.0% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.26%
-11.3% YoY
-0.2% QoQ
|
-0.38% |
0.64%
+19.7% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
54% |
| Tier 1 Capital Ratio ? |
19.09%
-8.0% YoY
-1.3% QoQ
|
+3.26% |
15.83%
+1.5% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.09%
-2.5% YoY
-74.6% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
47% |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.