BlastPoint's Banking Scorecard
BankGloucester
Designations: ✓ Mutual
Gloucester, MA
3 branches across MA
BankGloucester faces 8 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 15.2% in tier
- - Flatlined Growth: Bottom 18.5% in tier
- - Credit Risk Growth: Bottom 39.9% in tier
- - Capital Constraint: Bottom 75.9% in tier
- - Nonperforming Asset Ratio 1.77% above tier average
- - ROA 0.85% below tier average
- - Net Interest Margin 0.28% below tier average
- - Efficiency Ratio 19.08% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$384.4M
+1.6% YoY
-1.5% QoQ
|
-$1.7M |
$386.1M
+0.5% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
59% |
| Total Loans ? |
$333.2M
+0.8% YoY
-1.1% QoQ
|
+$77.5M |
$255.7M
+1.1% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$295.0M
-3.7% YoY
-6.2% QoQ
|
-$33.0M |
$328.0M
+0.1% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
0.42%
+85.1% YoY
+14.1% QoQ
|
-0.85% |
1.27%
+12.9% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.0% in tier |
| Net Interest Margin ? |
3.65%
+15.1% YoY
+3.9% QoQ
|
-0.28% |
3.93%
+6.0% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
38% |
| Efficiency Ratio ? |
84.37%
-5.1% YoY
+1.4% QoQ
|
+19.08% |
65.29%
-4.5% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.5% in tier |
| Delinquency Rate ? |
2.78%
+42.1% YoY
+10.7% QoQ
|
+1.90% |
0.89%
+18.8% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.7% in tier |
| Loan-to-Deposit Ratio ? |
112.95%
+4.7% YoY
+5.4% QoQ
|
+36.31% |
76.64%
+0.8% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 2.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.60%
-8.8% YoY
-6.3% QoQ
|
-4.42% |
22.02%
-1.0% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
34% |
| Nonperforming Asset Ratio ? |
2.41%
+41.0% YoY
+11.1% QoQ
|
+1.77% |
0.64%
+19.7% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.7% in tier |
| Tier 1 Capital Ratio ? |
13.03%
+7.5% YoY
+6.7% QoQ
|
-2.80% |
15.83%
+1.5% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.05%
-0.0% YoY
-75.4% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
20% |
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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 (4)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.