BlastPoint's Banking Scorecard
Needham Bank
Designations: ✓ Community bank ✓ Mutual
Needham, MA
21 branches across MA · NH
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 +47.8% year over year ($6.3B on the books).
- Delinquency rate 0.43%.
- Return on assets 1.01%.
- Efficiency ratio 58.00% vs a 59.73% peer average.
- Loan-to-deposit ratio 101.26% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Needham Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.72% below tier average
- + Delinquency Rate 0.43% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.4B
+44.7% YoY
+3.4% QoQ
|
+$4.6B |
$2.8B
-0.6% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
Top 5.6% in tier |
| Total Loans ? |
$6.4B
+42.3% YoY
+3.3% QoQ
|
+$4.4B |
$2.0B
-0.3% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
Top 2.7% in tier |
| Total Deposits ? |
$6.3B
+47.8% YoY
+3.6% QoQ
|
+$4.0B |
$2.3B
-0.5% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
Top 4.6% in tier |
| Return on Assets ? |
1.01%
+3.2% YoY
+23.9% QoQ
|
-0.38% |
1.39%
+17.0% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
31% |
| Net Interest Margin ? |
3.89%
+7.7% YoY
+1.8% QoQ
|
+0.02% |
3.87%
+6.2% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
61% |
| Efficiency Ratio ? |
58.00%
-3.7% YoY
-4.1% QoQ
|
-1.72% |
59.73%
-12.6% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
54% |
| Delinquency Rate ? |
0.43%
+55.8% YoY
-53.2% QoQ
|
-0.43% |
0.87%
+11.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
101.26%
-3.7% YoY
-0.2% QoQ
|
+16.23% |
85.04%
-0.1% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 11.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.07%
-2.3% YoY
+3.8% QoQ
|
-6.20% |
21.27%
-1.5% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.37%
+53.2% YoY
-53.2% QoQ
|
-0.30% |
0.67%
+11.7% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
11.50%
-12.7% YoY
+0.6% QoQ
|
-3.34% |
14.84%
-0.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.14%
-13.4% YoY
+115.9% QoQ
|
-0.39% |
0.53%
+2.5% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
15% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
15.1%
-0.3pp YoY +0.5pp QoQ |
-6.3pp | 21.4% | 16.2% | 22.2% | 27% |
| Brokered Deposits |
11.4%
+5.4pp YoY +2.0pp QoQ |
+1.9pp | 9.5% | 6.1% | 8.5% | 72% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.0%
+3.3pp YoY -0.5pp QoQ |
+3.0pp | 14.0% | 6.5% | 12.5% | 73% |
| CRE |
53.8%
+0.2pp YoY +1.6pp QoQ |
+3.8pp | 50.0% | 40.3% | 41.4% | 62% |
| 1-4 Family |
21.7%
-6.0pp YoY 0.0pp QoQ |
-4.7pp | 26.4% | 52.4% | 31.3% | 46% |
| Consumer |
4.5%
-1.2pp YoY 0.0pp QoQ |
-0.3pp | 4.7% | 1.6% | 5.0% | 80% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.5%
-1.7pp YoY +0.1pp QoQ |
-4.1pp | 15.6% | 16.6% | 19.7% | 17% |
| Leverage Ratio |
10.9%
-1.7pp YoY -0.2pp QoQ |
-0.4pp | 11.3% | 11.5% | 12.6% | 58% |
| Total Capital Ratio |
12.3%
-1.8pp YoY +0.1pp QoQ |
-4.4pp | 16.7% | 17.5% | 20.8% | 14% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
579
+185 (+47.0%) YoY +38 (+7.0%) QoQ |
+265 | 313 | 755 | 482 | 88% |
| Assets per Employee ($) |
$12.8M
-1.6% YoY -3.4% QoQ |
+$2.3M | $10.5M | $10.7M | $8.8M | 82% |
| Branch Count |
21
+9 (+75.0%) YoY +2 (+10.5%) QoQ |
+1 | 20 | 13 | 18 | 68% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.4%
+0.2pp YoY -0.3pp QoQ |
-0.4pp | 0.8% | 0.8% | 1.0% | 43% |
| Allowance Coverage |
2.97x
-13.1% YoY +111.6% QoQ |
-15.74x | 18.71x | 7.95x | 20.23x | 63% |
| Net Charge-off Rate (YTD) |
0.5%
+0.4pp YoY -0.4pp QoQ |
+0.2pp | 0.3% | 0.1% | 0.2% | 91% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.1%
+1.1pp YoY +1.8pp QoQ |
-3.5pp | 12.6% | 5.6% | 11.6% | 27% |
| Cost of Funds (YTD) |
2.5%
-0.3pp YoY 0.0pp QoQ |
+0.6pp | 1.9% | 2.0% | 1.7% | 85% |
| Net Income ($, YTD) |
$36.3M
+45.5% YoY — QoQ |
+$17.0M | $19.2M | $31.7M | $40.4M | 86% |
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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.