BlastPoint's Banking Scorecard

Fidelity Co-operative Bank

$1B-$10B Specialty: Commercial MA FDIC cert 26451

Designations: ✓ Community bank

Leominster, MA

13 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 -19.0% year over year ($1.1B on the books).
Delinquency rate 4.52%.
Return on assets 0.80%.
Efficiency ratio 68.63% vs a 59.73% peer average.
Loan-to-deposit ratio 84.73% 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) →

Fidelity Co-operative Bank has 1 strength but faces 5 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

+ Net Interest Margin 0.42% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 0.5% in tier
- Delinquency Rate 3.65% above tier average
- Nonperforming Asset Ratio 2.60% above tier average
- ROA 0.59% below tier average
- Efficiency Ratio 8.90% above 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 ?	$1.3B -17.1% YoY -2.6% QoQ	-$1.5B	$2.8B -0.6% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	23%
Total Loans ?	$945.3M -12.3% YoY -4.4% QoQ	-$1.0B	$2.0B -0.3% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	29%
Total Deposits ?	$1.1B -19.0% YoY -0.1% QoQ	-$1.2B	$2.3B -0.5% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	24%
Return on Assets ?	0.80% -7.3% YoY +2.4% QoQ	-0.59%	1.39% +17.0% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	18%
Net Interest Margin ?	4.29% +7.0% YoY +0.8% QoQ	+0.42%	3.87% +6.2% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	81%
Efficiency Ratio ?	68.63% +3.8% YoY +1.2% QoQ	+8.90%	59.73% -12.6% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	24%
Delinquency Rate ?	4.52% +426.0% YoY -3.6% QoQ	+3.65%	0.87% +11.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	Bottom 1.2% in tier
Loan-to-Deposit Ratio ?	84.73% +8.3% YoY -4.3% QoQ	-0.31%	85.04% -0.1% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	56%
Non-Interest-Bearing Deposit Share ?	22.31% +38.2% YoY +14.4% QoQ	+1.04%	21.27% -1.5% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	62%
Nonperforming Asset Ratio ?	3.27% +457.9% YoY -5.2% QoQ	+2.60%	0.67% +11.7% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	Bottom 2.1% in tier
Tier 1 Capital Ratio ?	9.86% +8.5% YoY +4.4% QoQ	-4.98%	14.84% -0.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	Bottom 4.7% in tier
Non-Interest Income / Assets ?	0.18% -19.4% YoY +104.3% QoQ	-0.34%	0.53% +2.5% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	28%

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	22.3% +6.2pp YoY +2.8pp QoQ	+0.9pp	21.4%	16.2%	22.2%	61%
Brokered Deposits	2.7% -8.4pp YoY -1.1pp QoQ	-6.7pp	9.5%	6.1%	8.5%	33%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	17.1% -2.4pp YoY -0.7pp QoQ	+3.1pp	14.0%	6.5%	12.5%	73%
CRE	43.5% +0.6pp YoY -0.5pp QoQ	-6.5pp	50.0%	40.3%	41.4%	32%
1-4 Family	39.3% +2.8pp YoY +1.4pp QoQ	+12.9pp	26.4%	52.4%	31.3%	81%
Consumer	1.6% -0.1pp YoY -0.2pp QoQ	-3.1pp	4.7%	1.6%	5.0%	57%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	16.6%	19.7%	n/a
Leverage Ratio	9.9% +0.8pp YoY +0.4pp QoQ	-1.5pp	11.3%	11.5%	12.6%	33%
Total Capital Ratio	n/a	n/a	16.7%	17.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	96 -83 (-46.4%) YoY -3 (-3.0%) QoQ	-218	313	755	482	6%
Assets per Employee ($)	$13.6M +54.6% YoY +0.5% QoQ	+$3.2M	$10.5M	$10.7M	$8.8M	86%
Branch Count	13 0 YoY 0 QoQ	-7	20	13	18	42%

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	4.5% +3.7pp YoY -0.2pp QoQ	+3.7pp	0.8%	0.8%	1.0%	99%
Allowance Coverage	0.40x -53.3% YoY +10.0% QoQ	-18.31x	18.71x	7.95x	20.23x	4%
Net Charge-off Rate (YTD)	1.8% +1.8pp YoY -1.7pp QoQ	+1.5pp	0.3%	0.1%	0.2%	97%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	6.7% -1.0pp YoY +0.1pp QoQ	-5.9pp	12.6%	5.6%	11.6%	14%
Cost of Funds (YTD)	1.9% -0.6pp YoY 0.0pp QoQ	0.0pp	1.9%	2.0%	1.7%	49%
Net Income ($, YTD)	$5.4M -20.6% YoY — QoQ	-$13.8M	$19.2M	$31.7M	$40.4M	14%

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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)

Capital Thin

risk

#2 of 222 • Bottom 0.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.86%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

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)

173

Net Interest Margin

profitability

Value: 4.29%

Peer Median: 3.87%

#173 of 885 Top 19.4% in $1B-$10B

Top Weaknesses (7 metrics)

872

Delinquency Rate

credit_quality

Value: 4.52%

Peer Median: 0.87%

#872 of 882 Bottom 1.2% in $1B-$10B

867

Nonperforming Asset Ratio

credit_quality

Value: 3.27%

Peer Median: 0.67%

#867 of 885 Bottom 2.1% in $1B-$10B

844

Tier 1 Capital Ratio

capital

Value: 9.86%

Peer Median: 14.84%

#844 of 885 Bottom 4.7% in $1B-$10B

723

Return on Assets

profitability

Value: 0.80%

Peer Median: 1.39%

#723 of 885 Bottom 18.4% in $1B-$10B

681

Total Assets

size

Value: $1.31B

Peer Median: $2.79B

#681 of 885 Bottom 23.2% in $1B-$10B

678

Efficiency Ratio

profitability

Value: 68.63%

Peer Median: 59.73%

#678 of 885 Bottom 23.5% in $1B-$10B

672

Total Deposits

size

Value: $1.12B

Peer Median: $2.32B

#672 of 885 Bottom 24.2% in $1B-$10B