BlastPoint's Banking Scorecard
OneLocal Bank
Designations: ✓ Community bank
Norwood, MA
4 branches across MA
OneLocal Bank has 1 strength but faces 6 concerns
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 49.5% in tier
- - Loan-to-Deposit Ratio 23.04% above tier average
- - Non-Interest Income / Assets 0.22% below tier average
- - ROA 0.45% below tier average
- - Net Interest Margin 0.40% below tier average
- - Efficiency Ratio 2.43% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+8.5% YoY
+2.4% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
Bottom 6.1% in tier |
| Total Loans ? |
$903.2M
+9.1% YoY
+2.5% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$842.2M
+5.9% YoY
+1.4% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 3.7% in tier |
| Return on Assets ? |
0.91%
+38.4% YoY
-1.1% QoQ
|
-0.45% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
3.42%
+8.7% YoY
-0.7% QoQ
|
-0.40% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
36% |
| Efficiency Ratio ? |
63.49%
-6.9% YoY
+5.7% QoQ
|
+2.43% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
39% |
| Delinquency Rate ? |
0.22%
+339.8% YoY
+176.7% QoQ
|
-0.67% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
107.24%
+3.1% YoY
+1.1% QoQ
|
+23.04% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 5.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.04%
+1.8% YoY
+5.4% QoQ
|
-11.25% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 11.5% in tier |
| Nonperforming Asset Ratio ? |
0.18%
+342.2% YoY
+176.8% QoQ
|
-0.49% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
75% |
| Tier 1 Capital Ratio ? |
13.68%
-0.1% YoY
+1.4% QoQ
|
-1.48% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.04%
-17.2% YoY
-82.2% QoQ
|
-0.22% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 5.4% 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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.