BlastPoint's Banking Scorecard
Needham Bank
Designations: ✓ Community bank ✓ Mutual
Needham, MA
20 branches across MA · NH
Needham Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.57% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.2B
+39.9% YoY
+3.6% QoQ
|
+$4.4B |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
Top 6.8% in tier |
| Total Loans ? |
$6.2B
+39.9% YoY
+3.8% QoQ
|
+$4.2B |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
Top 3.2% in tier |
| Total Deposits ? |
$6.1B
+40.9% YoY
+4.2% QoQ
|
+$3.8B |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
Top 5.7% in tier |
| Return on Assets ? |
0.82%
-5.9% YoY
-9.2% QoQ
|
-0.55% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
3.82%
+10.3% YoY
+4.1% QoQ
|
+0.00% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
61% |
| Efficiency Ratio ? |
60.49%
-4.5% YoY
-4.7% QoQ
|
-0.57% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
48% |
| Delinquency Rate ? |
0.92%
+259.4% YoY
+27.0% QoQ
|
+0.03% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
101.49%
-0.7% YoY
-0.3% QoQ
|
+17.28% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 10.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.52%
-1.4% YoY
+1.4% QoQ
|
-6.77% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.80%
+259.5% YoY
+27.3% QoQ
|
+0.12% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
27% |
| Tier 1 Capital Ratio ? |
11.44%
-11.6% YoY
-1.6% QoQ
|
-3.72% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.06%
-16.8% YoY
-72.0% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
16% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.