BlastPoint's Banking Scorecard
Canton Co-operative Bank
Designations: ✓ Mutual
Canton, MA
Canton Co-operative Bank has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 2.1% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 4.5% in tier
- - Credit Quality Pressure: Bottom 11.0% in tier
- - Credit Risk Growth: Bottom 17.7% in tier
- - NIB Deposit Bleed: Bottom 20.2% in tier
- - Liquidity Overhang: Bottom 22.9% in tier
- - Return on Assets 0.99% below tier average
- - Net Interest Margin 1.03% below tier average
- - Efficiency Ratio 21.92% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$153.8M
-4.1% YoY
-3.3% QoQ
|
-$232.3M |
$386.1M
+0.5% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
15% |
| Total Loans ? |
$103.6M
+5.7% YoY
+0.6% QoQ
|
-$152.1M |
$255.7M
+1.1% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$126.6M
-5.8% YoY
-3.9% QoQ
|
-$201.4M |
$328.0M
+0.1% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.0% in tier |
| Return on Assets ? |
0.28%
+376.9% YoY
+31.4% QoQ
|
-0.99% |
1.27%
+12.9% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.5% in tier |
| Net Interest Margin ? |
2.90%
+14.1% YoY
+4.5% QoQ
|
-1.03% |
3.93%
+6.0% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 8.4% in tier |
| Efficiency Ratio ? |
87.20%
-18.0% YoY
-3.3% QoQ
|
+21.92% |
65.29%
-4.5% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 8.4% in tier |
| Delinquency Rate ? |
0.07%
-74.7% QoQ
|
-0.82% |
0.89%
+18.8% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
81.89%
+12.2% YoY
+4.8% QoQ
|
+5.26% |
76.64%
+0.8% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
5.05%
-33.9% YoY
-41.6% QoQ
|
-16.97% |
22.02%
-1.0% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.5% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-73.7% QoQ
|
-0.59% |
0.64%
+19.7% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
78% |
| Tier 1 Capital Ratio ? |
22.59%
-5.2% YoY
+0.1% QoQ
|
+6.76% |
15.83%
+1.5% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
Top 9.1% in tier |
| Non-Interest Income / Assets ? |
0.05%
-62.3% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
18% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (5)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
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.