BlastPoint's Banking Scorecard
Bank of Easton
Designations: ✓ Mutual
North Easton, MA
3 branches across MA
Bank of Easton has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.93% below tier average
- + Delinquency Rate 0.89% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.76% below tier average
- - ROA 0.54% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$250.9M
+19.1% YoY
+2.4% QoQ
|
-$135.1M |
$386.1M
+0.5% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
37% |
| Total Loans ? |
$120.3M
+7.0% YoY
-0.1% QoQ
|
-$135.4M |
$255.7M
+1.1% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
26% |
| Total Deposits ? |
$224.7M
+20.2% YoY
+2.6% QoQ
|
-$103.2M |
$328.0M
+0.1% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
40% |
| Return on Assets ? |
0.73%
+72.6% YoY
+23.9% QoQ
|
-0.54% |
1.27%
+12.9% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
22% |
| Net Interest Margin ? |
2.17%
+15.9% YoY
+4.9% QoQ
|
-1.76% |
3.93%
+6.0% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 1.3% in tier |
| Efficiency Ratio ? |
57.36%
-22.2% YoY
-11.8% QoQ
|
-7.93% |
65.29%
-4.5% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
67% |
| Delinquency Rate ? |
0.00%
-53.3% YoY
-33.3% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
Top 12.1% in tier |
| Loan-to-Deposit Ratio ? |
53.51%
-10.9% YoY
-2.6% QoQ
|
-23.12% |
76.64%
+0.8% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
Top 12.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.30%
-3.5% YoY
-1.8% QoQ
|
-5.72% |
22.02%
-1.0% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.00%
-58.0% YoY
-34.9% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
Top 11.3% in tier |
| Tier 1 Capital Ratio ? |
10.17%
-9.6% YoY
+0.1% QoQ
|
-5.66% |
15.83%
+1.5% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.6% in tier |
| Non-Interest Income / Assets ? |
0.04%
-25.6% YoY
-78.0% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.7% in tier |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.