BlastPoint's Banking Scorecard

Walpole Co-operative Bank

$100M-$1B Specialty: Commercial MA FDIC cert 26487

Designations: ✓ Mutual

Walpole, MA

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

Walpole Co-operative Bank has 2 strengths but faces 4 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

+ Efficiency Ratio 7.19% below tier average
+ Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 13.7% in tier
- Non-Interest Income / Assets 0.28% below tier average
- ROA 0.19% below tier average
- Net Interest Margin 0.20% below tier average

Get updates when Walpole 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 ?	$649.4M +3.0% YoY +1.9% QoQ	+$263.3M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$540.7M +4.7% YoY +1.7% QoQ	+$285.0M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	Top 8.5% in tier
Total Deposits ?	$512.7M +2.4% YoY +2.1% QoQ	+$184.8M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	81%
Return on Assets ?	1.08% +115.9% YoY +42.0% QoQ	-0.19%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	43%
Net Interest Margin ?	3.73% +33.6% YoY +15.6% QoQ	-0.20%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	43%
Efficiency Ratio ?	58.10% -23.4% YoY -11.9% QoQ	-7.19%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	65%
Delinquency Rate ?	0.38% -26.4% YoY +1.2% QoQ	-0.51%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	52%
Loan-to-Deposit Ratio ?	105.45% +2.3% YoY -0.4% QoQ	+28.81%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	Bottom 4.8% in tier
Non-Interest-Bearing Deposit Share ?	10.28% +4.8% YoY +8.8% QoQ	-11.74%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	Bottom 11.5% in tier
Nonperforming Asset Ratio ?	0.31% -25.1% YoY +1.0% QoQ	-0.33%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	49%
Tier 1 Capital Ratio ?	18.62% +1.9% YoY -0.2% QoQ	+2.79%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.00% -89.8% YoY -94.4% QoQ	-0.28%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	Bottom 0.8% in tier

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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)

Liquidity Overhang

risk

#102 of 739 • Bottom 13.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.62%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 105.45%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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 (4 metrics)

227

Total Loans

size

Value: $540.68M

Peer Median: $255.72M

#227 of 2664 Top 8.5% in $100M-$1B

418

Total Assets

size

Value: $649.40M

Peer Median: $386.08M

#418 of 2664 Top 15.7% in $100M-$1B

449

Tier 1 Capital Ratio

capital

Value: 18.62%

Peer Median: 15.83%

#449 of 2664 Top 16.8% in $100M-$1B

511

Total Deposits

size

Value: $512.73M

Peer Median: $327.97M

#511 of 2664 Top 19.1% in $100M-$1B

Top Weaknesses (3 metrics)

2645

Non-Interest Income / Assets

revenue_mix

Value: 0.00%

Peer Median: 0.28%

#2645 of 2664 Bottom 0.8% in $100M-$1B

2538

Loan-to-Deposit Ratio

liquidity

Value: 105.45%

Peer Median: 76.64%

#2538 of 2664 Bottom 4.8% in $100M-$1B

2359

Non-Interest-Bearing Deposit Share

funding

Value: 10.28%

Peer Median: 22.02%

#2359 of 2664 Bottom 11.5% in $100M-$1B