BlastPoint's Banking Scorecard
Bank of Easton
Designations: ✓ Mutual
North Easton, 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 +5.2% year over year ($222.5M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.71%.
- Efficiency ratio 59.22% vs a 64.48% peer average.
- Loan-to-deposit ratio 55.22% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Easton has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.26% below tier average
- + Delinquency Rate 0.92% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 24.7% in tier
- - Net Interest Margin 1.78% below tier average
- - ROA 0.61% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$249.0M
+5.7% YoY
-0.8% QoQ
|
-$137.6M |
$386.6M
+1.2% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
36% |
| Total Loans ? |
$122.8M
+6.0% YoY
+2.1% QoQ
|
-$135.5M |
$258.3M
+1.7% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$222.5M
+5.2% YoY
-1.0% QoQ
|
-$104.3M |
$326.7M
+0.7% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
0.71%
+61.6% YoY
-2.5% QoQ
|
-0.61% |
1.32%
+10.8% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
2.21%
+16.9% YoY
+1.5% QoQ
|
-1.78% |
3.99%
+5.0% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 1.3% in tier |
| Efficiency Ratio ? |
59.22%
-18.4% YoY
+3.3% QoQ
|
-5.26% |
64.48%
-3.2% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
0.00%
-99.0% YoY
-2.1% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
Top 12.2% in tier |
| Loan-to-Deposit Ratio ? |
55.22%
+0.7% YoY
+3.2% QoQ
|
-22.73% |
77.95%
+1.0% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
Top 12.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.52%
-27.2% YoY
+1.4% QoQ
|
-5.51% |
22.03%
-0.6% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.00%
-99.0% YoY
+0.8% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
Top 11.0% in tier |
| Tier 1 Capital Ratio ? |
10.26%
-6.7% YoY
+0.9% QoQ
|
-5.65% |
15.91%
+1.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
Bottom 13.7% in tier |
| Non-Interest Income / Assets ? |
0.07%
-21.6% YoY
+98.3% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 11.0% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
16.5%
-6.2pp YoY +0.2pp QoQ |
-5.6pp | 22.1% | 16.2% | 22.2% | 30% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.1% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.2%
+0.1pp YoY 0.0pp QoQ |
-11.3pp | 11.6% | 6.5% | 12.5% | 1% |
| CRE |
6.0%
0.0pp QoQ |
-33.5pp | 39.5% | 40.3% | 41.4% | 2% |
| 1-4 Family |
93.5%
-0.9pp YoY +0.1pp QoQ |
+60.9pp | 32.6% | 52.4% | 31.3% | 99% |
| Consumer |
0.8%
-0.3pp YoY -0.1pp QoQ |
-3.3pp | 4.1% | 1.6% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.6% | 19.7% | n/a |
| Leverage Ratio |
10.3%
-0.7pp YoY +0.1pp QoQ |
-1.9pp | 12.2% | 11.5% | 12.6% | 37% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
0 YoY 0 QoQ |
-42 | 58 | 755 | 482 | 7% |
| Assets per Employee ($) |
$14.6M
+5.7% YoY -0.8% QoQ |
+$7.1M | $7.5M | $10.7M | $8.8M | 97% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 13 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.4% | 6% |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage |
339.50x
+9438.8% YoY +0.3% QoQ |
+315.35x | 24.15x | 7.95x | 20.23x | 98% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.5%
+2.9pp YoY -0.2pp QoQ |
-4.7pp | 12.2% | 5.6% | 11.6% | 23% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 2.0% | 1.7% | 72% |
| Net Income ($, YTD) |
$879,000
+84.7% YoY — QoQ |
-$1.7M | $2.6M | $31.7M | $40.4M | 23% |
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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 (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.