BlastPoint's Banking Scorecard

Bankhometown

$1B-$10B Specialty: Commercial MA FDIC cert 26523

Oxford, MA

15 branches across MA · CT

884 banks in the $1B-$10B peer group nationally 46 in MA

Bankhometown has 1 strength 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 4.56% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.79% above tier average
- Nonperforming Asset Ratio 1.37% above tier average
- ROA 0.21% below tier average
- Net Interest Margin 0.08% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$1.6B +3.4% YoY +3.3% QoQ	-$1.2B	$2.8B -0.1% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	40%
Total Loans ?	$1.2B +0.4% YoY -2.7% QoQ	-$730.4M	$2.0B +0.6% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	44%
Total Deposits ?	$1.4B +2.8% YoY +3.8% QoQ	-$960.0M	$2.3B -0.3% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	40%
Return on Assets ?	1.16% -1.8% YoY +1.4% QoQ	-0.21%	1.37% +19.6% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	44%
Net Interest Margin ?	3.74% +4.9% YoY -0.1% QoQ	-0.08%	3.82% +6.9% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	56%
Efficiency Ratio ?	56.50% -3.5% YoY +2.4% QoQ	-4.56%	61.06% -4.6% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	60%
Delinquency Rate ?	2.68% +736.5% YoY +1.7% QoQ	+1.79%	0.89% +14.1% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	Bottom 6.1% in tier
Loan-to-Deposit Ratio ?	89.24% -2.4% YoY -6.2% QoQ	+5.03%	84.20% +0.3% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	41%
Non-Interest-Bearing Deposit Share ?	18.58% +0.0% YoY +2.6% QoQ	-2.71%	21.29% -2.5% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	43%
Nonperforming Asset Ratio ?	2.04% +712.1% YoY -4.2% QoQ	+1.37%	0.67% +15.6% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	Bottom 6.1% in tier
Tier 1 Capital Ratio ?	14.50% +7.5% YoY +4.7% QoQ	-0.66%	15.16% +2.0% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.17% +13.1% YoY -73.2% QoQ	-0.08%	0.26% +1.6% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	62%

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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 (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

831

Nonperforming Asset Ratio

credit_quality

Value: 2.04%

Peer Median: 0.67%

#831 of 884 Bottom 6.1% in $1B-$10B

827

Delinquency Rate

credit_quality

Value: 2.68%

Peer Median: 0.89%

#827 of 880 Bottom 6.1% in $1B-$10B