BlastPoint's Banking Scorecard
TruNorth Bank
Peabody, MA
30 branches across MA · NH
TruNorth Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.63% above tier average
- + Efficiency Ratio 11.60% below tier average
- + Delinquency Rate 0.41% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 23.0% in tier
- - ROA 0.10% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+9.7% YoY
+1.1% QoQ
|
+$454.9M |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
74% |
| Total Loans ? |
$2.4B
+6.2% YoY
-1.3% QoQ
|
+$464.1M |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
76% |
| Total Deposits ? |
$2.7B
+9.9% YoY
+1.2% QoQ
|
+$308.8M |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
1.27%
+5.4% YoY
-3.4% QoQ
|
-0.10% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
54% |
| Net Interest Margin ? |
4.45%
+10.8% YoY
+5.9% QoQ
|
+0.63% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Top 12.9% in tier |
| Efficiency Ratio ? |
49.46%
-7.4% YoY
-4.0% QoQ
|
-11.60% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
80% |
| Delinquency Rate ? |
0.48%
-27.5% YoY
-9.6% QoQ
|
-0.41% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
91.59%
-3.4% YoY
-2.5% QoQ
|
+7.38% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
22.25%
-1.1% YoY
-2.3% QoQ
|
+0.96% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.35%
-29.8% YoY
-11.7% QoQ
|
-0.32% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
57% |
| Tier 1 Capital Ratio ? |
15.99%
+7.7% YoY
+5.1% QoQ
|
+0.83% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.08%
+6.2% YoY
-77.1% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
23% |
Get Full Access to TruNorth Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.