BlastPoint's Banking Scorecard

Savers Co-operative Bank

$100M-$1B Specialty: Commercial MA FDIC cert 26455

Designations: ✓ Mutual

Southbridge, MA

7 branches across MA

2664 banks in the $100M-$1B peer group nationally 39 in MA

Savers Co-operative Bank faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 46.4% in tier
- Delinquency Rate 1.52% above tier average
- Loan-to-Deposit Ratio 31.69% above tier average
- Nonperforming Asset Ratio 1.22% above tier average
- ROA 0.65% below tier average
- Net Interest Margin 0.87% below tier average
- Efficiency Ratio 6.77% above tier average

Get updates when Savers Co-operative Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$797.8M +2.6% YoY +0.8% QoQ	+$411.7M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	Top 8.1% in tier
Total Loans ?	$616.0M +4.9% YoY +1.0% QoQ	+$360.3M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	Top 5.3% in tier
Total Deposits ?	$568.7M +0.4% YoY +2.5% QoQ	+$240.7M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	Top 14.8% in tier
Return on Assets ?	0.62% +14.4% YoY +113.8% QoQ	-0.65%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	17%
Net Interest Margin ?	3.06% +11.8% YoY +7.0% QoQ	-0.87%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Bottom 13.2% in tier
Efficiency Ratio ?	72.05% -5.8% YoY -1.1% QoQ	+6.77%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	28%
Delinquency Rate ?	2.41% +413.7% YoY -4.4% QoQ	+1.52%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	Bottom 8.9% in tier
Loan-to-Deposit Ratio ?	108.33% +4.5% YoY -1.5% QoQ	+31.69%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	Bottom 3.6% in tier
Non-Interest-Bearing Deposit Share ?	15.31% -10.7% YoY -1.3% QoQ	-6.71%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	1.86% +382.2% YoY -5.7% QoQ	+1.22%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	Bottom 7.8% in tier
Tier 1 Capital Ratio ?	11.12% -0.0% YoY +0.7% QoQ	-4.71%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.11% +10.8% YoY -74.1% QoQ	-0.17%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	60%

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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

#310 of 666 • Bottom 46.4% 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: 11.12%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

142

Total Loans

size

Value: $616.03M

Peer Median: $255.72M

#142 of 2664 Top 5.3% in $100M-$1B

217

Total Assets

size

Value: $797.78M

Peer Median: $386.08M

#217 of 2664 Top 8.1% in $100M-$1B

396

Total Deposits

size

Value: $568.68M

Peer Median: $327.97M

#396 of 2664 Top 14.8% in $100M-$1B

Top Weaknesses (6 metrics)

2570

Loan-to-Deposit Ratio

liquidity

Value: 108.33%

Peer Median: 76.64%

#2570 of 2664 Bottom 3.6% in $100M-$1B

2457

Nonperforming Asset Ratio

credit_quality

Value: 1.86%

Peer Median: 0.64%

#2457 of 2664 Bottom 7.8% in $100M-$1B

2418

Delinquency Rate

credit_quality

Value: 2.41%

Peer Median: 0.89%

#2418 of 2654 Bottom 8.9% in $100M-$1B

2314

Net Interest Margin

profitability

Value: 3.06%

Peer Median: 3.93%

#2314 of 2664 Bottom 13.2% in $100M-$1B

2209

Return on Assets

profitability

Value: 0.62%

Peer Median: 1.27%

#2209 of 2664 Bottom 17.1% in $100M-$1B

2010

Tier 1 Capital Ratio

capital

Value: 11.12%

Peer Median: 15.83%

#2010 of 2664 Bottom 24.6% in $100M-$1B