BlastPoint's Banking Scorecard

BankGloucester

$100M-$1B Specialty: Commercial MA FDIC cert 26536

Designations: ✓ Mutual

Gloucester, MA

3 branches across MA

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
Deposits -2.8% year over year ($304.2M on the books).
Delinquency rate 3.01%.
Return on assets 0.42%.
Efficiency ratio 83.20% vs a 64.48% peer average.
Loan-to-deposit ratio 108.94% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MA

View $100M-$1B leaderboard (MA) →

BankGloucester faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 3.4% in tier
- Deposit Outflow: Bottom 19.2% in tier
- Liquidity Strain: Bottom 45.6% in tier
- Efficiency Drag: Bottom 45.7% in tier
- Delinquency Rate 2.09% above tier average
- Nonperforming Asset Ratio 1.91% above tier average
- ROA 0.90% below tier average
- Net Interest Margin 0.22% below tier average

Get updates when BankGloucester releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$386.9M -0.9% YoY +0.6% QoQ	+$296K	$386.6M +1.2% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	60%
Total Loans ?	$331.4M -1.1% YoY -0.5% QoQ	+$73.0M	$258.3M +1.7% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	72%
Total Deposits ?	$304.2M -2.8% YoY +3.1% QoQ	-$22.6M	$326.7M +0.7% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	56%
Return on Assets ?	0.42% +60.4% YoY +1.3% QoQ	-0.90%	1.32% +10.8% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 10.3% in tier
Net Interest Margin ?	3.76% +13.2% YoY +3.0% QoQ	-0.22%	3.99% +5.0% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	40%
Efficiency Ratio ?	83.20% -3.6% YoY -1.4% QoQ	+18.72%	64.48% -3.2% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	Bottom 10.7% in tier
Delinquency Rate ?	3.01% +35.2% YoY +8.1% QoQ	+2.09%	0.92% +15.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	Bottom 6.3% in tier
Loan-to-Deposit Ratio ?	108.94% +1.7% YoY -3.5% QoQ	+30.99%	77.95% +1.0% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	Bottom 3.6% in tier
Non-Interest-Bearing Deposit Share ?	18.93% -8.9% YoY +7.6% QoQ	-3.10%	22.03% -0.6% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	40%
Nonperforming Asset Ratio ?	2.58% +35.0% YoY +6.8% QoQ	+1.91%	0.67% +16.4% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	Bottom 4.6% in tier
Tier 1 Capital Ratio ?	13.48% +12.5% YoY +3.4% QoQ	-2.43%	15.91% +1.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.10% -1.3% YoY +100.8% QoQ	-0.46%	0.57% +7.6% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	19%

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	18.9% -1.9pp YoY +1.3pp QoQ	-3.2pp	22.1%	16.2%	22.2%	40%
Brokered Deposits	3.4% +0.2pp YoY -0.1pp QoQ	-4.4pp	7.9%	6.1%	8.5%	41%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	2.6% 0.0pp YoY -0.2pp QoQ	-8.9pp	11.6%	6.5%	12.5%	9%
CRE	35.4% +1.2pp YoY +1.3pp QoQ	-4.1pp	39.5%	40.3%	41.4%	44%
1-4 Family	62.9% -1.2pp YoY -1.1pp QoQ	+30.2pp	32.6%	52.4%	31.3%	92%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	1.6%	5.0%	7%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	13.5% +1.5pp YoY +0.5pp QoQ	-5.3pp	18.8%	16.6%	19.7%	34%
Leverage Ratio	8.7% +0.5pp YoY +0.2pp QoQ	-3.5pp	12.2%	11.5%	12.6%	8%
Total Capital Ratio	14.7% +1.5pp YoY +0.4pp QoQ	-5.2pp	19.9%	17.5%	20.8%	35%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	57 0 YoY +2 (+3.6%) QoQ	-2	58	755	482	60%
Assets per Employee ($)	$6.8M -0.9% YoY -2.9% QoQ	-$731K	$7.5M	$10.7M	$8.8M	48%
Branch Count	3 0 YoY 0 QoQ	-2	4	13	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	3.0% +0.8pp YoY +0.2pp QoQ	+2.1pp	0.9%	0.8%	1.0%	94%
Allowance Coverage	0.35x -25.4% YoY -5.2% QoQ	-23.80x	24.15x	7.95x	20.23x	5%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	28%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	5.1% +1.7pp YoY 0.0pp QoQ	-7.1pp	12.2%	5.6%	11.6%	14%
Cost of Funds (YTD)	1.9% -0.1pp YoY 0.0pp QoQ	+0.2pp	1.7%	2.0%	1.7%	65%
Net Income ($, YTD)	$820,000 +61.7% YoY — QoQ	-$1.7M	$2.6M	$31.7M	$40.4M	20%

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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 (4)

Flatlined Growth

risk

#19 of 529 • Bottom 3.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.42%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#104 of 535 • Bottom 19.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#316 of 691 • Bottom 45.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 108.94%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#166 of 361 • Bottom 45.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 83.20%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2550

Loan-to-Deposit Ratio

liquidity

Value: 108.94%

Peer Median: 77.95%

#2550 of 2643 Bottom 3.6% in $100M-$1B

2523

Nonperforming Asset Ratio

credit_quality

Value: 2.58%

Peer Median: 0.67%

#2523 of 2643 Bottom 4.6% in $100M-$1B

2469

Delinquency Rate

credit_quality

Value: 3.01%

Peer Median: 0.92%

#2469 of 2633 Bottom 6.3% in $100M-$1B

2373

Return on Assets

profitability

Value: 0.42%

Peer Median: 1.32%

#2373 of 2643 Bottom 10.3% in $100M-$1B

2362

Efficiency Ratio

profitability

Value: 83.20%

Peer Median: 64.48%

#2362 of 2643 Bottom 10.7% in $100M-$1B

2146

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2146 of 2643 Bottom 18.8% in $100M-$1B