BlastPoint's Banking Scorecard

OneLocal Bank

$1B-$10B Specialty: Commercial MA FDIC cert 26555

Designations: ✓ Community bank

Norwood, MA

4 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 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
Deposits +2.4% year over year ($843.0M on the books).
Delinquency rate 0.22%.
Return on assets 0.99%.
Efficiency ratio 60.55% vs a 59.73% peer average.
Loan-to-deposit ratio 107.14% vs a 85.04% peer average.

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

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

View $1B-$10B leaderboard (MA) →

OneLocal Bank has 1 strength but faces 6 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

+ Credit Quality Leader: Top 0.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 23.1% in tier
- Loan-to-Deposit Ratio 22.10% above tier average
- Non-Interest Income / Assets 0.45% below tier average
- ROA 0.40% below tier average
- Net Interest Margin 0.33% below tier average
- Efficiency Ratio 0.82% above tier average

Get updates when OneLocal Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$1.1B +3.1% YoY -0.5% QoQ	-$1.7B	$2.8B -0.6% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	Bottom 4.9% in tier
Total Loans ?	$903.2M +4.6% YoY -0.0% QoQ	-$1.1B	$2.0B -0.3% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	25%
Total Deposits ?	$843.0M +2.4% YoY +0.1% QoQ	-$1.5B	$2.3B -0.5% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	Bottom 3.2% in tier
Return on Assets ?	0.99% +27.8% YoY +8.2% QoQ	-0.40%	1.39% +17.0% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	29%
Net Interest Margin ?	3.55% +8.5% YoY +3.8% QoQ	-0.33%	3.87% +6.2% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	40%
Efficiency Ratio ?	60.55% -4.2% YoY -4.6% QoQ	+0.82%	59.73% -12.6% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	45%
Delinquency Rate ?	0.22% +358.4% YoY -0.0% QoQ	-0.65%	0.87% +11.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	77%
Loan-to-Deposit Ratio ?	107.14% +2.1% YoY -0.1% QoQ	+22.10%	85.04% -0.1% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	Bottom 5.6% in tier
Non-Interest-Bearing Deposit Share ?	10.56% +9.0% YoY +5.2% QoQ	-10.71%	21.27% -1.5% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	Bottom 11.6% in tier
Nonperforming Asset Ratio ?	0.19% +365.0% YoY +0.4% QoQ	-0.49%	0.67% +11.7% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	75%
Tier 1 Capital Ratio ?	13.68% +1.2% YoY -0.0% QoQ	-1.17%	14.84% -0.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.08% -37.7% YoY +105.5% QoQ	-0.45%	0.53% +2.5% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	Bottom 5.5% in tier

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	10.6% +0.9pp YoY +0.5pp QoQ	-10.8pp	21.4%	16.2%	22.2%	11%
Brokered Deposits	n/a	n/a	9.5%	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	0.7% 0.0pp YoY +0.1pp QoQ	-13.3pp	14.0%	6.5%	12.5%	2%
CRE	59.6% +2.2pp YoY +0.3pp QoQ	+9.6pp	50.0%	40.3%	41.4%	75%
1-4 Family	40.6% -2.3pp YoY -0.4pp QoQ	+14.2pp	26.4%	52.4%	31.3%	82%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.6pp	4.7%	1.6%	5.0%	12%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	16.6%	19.7%	n/a
Leverage Ratio	13.7% +0.2pp YoY 0.0pp QoQ	+2.4pp	11.3%	11.5%	12.6%	89%
Total Capital Ratio	n/a	n/a	16.7%	17.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	84 +2 (+2.4%) YoY +5 (+6.3%) QoQ	-230	313	755	482	4%
Assets per Employee ($)	$12.5M +0.7% YoY -6.4% QoQ	+$2.0M	$10.5M	$10.7M	$8.8M	81%
Branch Count	4 0 YoY 0 QoQ	-16	20	13	18	10%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.2% +0.2pp YoY 0.0pp QoQ	-0.6pp	0.8%	0.8%	1.0%	22%
Allowance Coverage	4.15x -79.0% YoY +0.5% QoQ	-14.56x	18.71x	7.95x	20.23x	73%
Net Charge-off Rate (YTD)	n/a	n/a	0.3%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	7.2% +1.4pp YoY +0.5pp QoQ	-5.4pp	12.6%	5.6%	11.6%	16%
Cost of Funds (YTD)	2.3% -0.1pp YoY 0.0pp QoQ	+0.4pp	1.9%	2.0%	1.7%	79%
Net Income ($, YTD)	$5.2M +35.5% YoY — QoQ	-$14.1M	$19.2M	$31.7M	$40.4M	12%

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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 (1)

Credit Quality Leader

growth

#3 of 221 • Top 0.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.22%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ

Concerns (1)

Credit Risk Growth

risk

#94 of 402 • Bottom 23.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 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 885 peers in $1B-$10B

Top Strengths (1 metrics)

201

Delinquency Rate

credit_quality

Value: 0.22%

Peer Median: 0.87%

#201 of 882 Top 22.7% in $1B-$10B

Top Weaknesses (6 metrics)

858

Total Deposits

size

Value: $842.97M

Peer Median: $2.32B

#858 of 885 Bottom 3.2% in $1B-$10B

843

Total Assets

size

Value: $1.05B

Peer Median: $2.79B

#843 of 885 Bottom 4.9% in $1B-$10B

837

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.53%

#837 of 885 Bottom 5.5% in $1B-$10B

836

Loan-to-Deposit Ratio

liquidity

Value: 107.14%

Peer Median: 85.04%

#836 of 885 Bottom 5.6% in $1B-$10B

783

Non-Interest-Bearing Deposit Share

funding

Value: 10.56%

Peer Median: 21.27%

#783 of 885 Bottom 11.6% in $1B-$10B

666

Total Loans

size

Value: $903.15M

Peer Median: $1.96B

#666 of 885 Bottom 24.9% in $1B-$10B