BlastPoint's Banking Scorecard

StonehamBank, A Co-operative Bank

$100M-$1B Specialty: Commercial MA FDIC cert 26559

Designations: ✓ Mutual

Stoneham, MA

2 branches across MA

2664 banks in the $100M-$1B peer group nationally 39 in MA

StonehamBank, A Co-operative Bank has 1 strength but faces 4 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

+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 48.7% in tier
- Net Interest Margin 1.01% below tier average
- ROA 0.77% below tier average
- Efficiency Ratio 10.93% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$902.8M +8.2% YoY +2.3% QoQ	+$516.8M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	Top 3.6% in tier
Total Loans ?	$716.5M +7.8% YoY +1.5% QoQ	+$460.8M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	Top 2.0% in tier
Total Deposits ?	$750.0M +2.9% YoY +4.9% QoQ	+$422.0M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	Top 4.6% in tier
Return on Assets ?	0.50% +278.9% YoY +35.5% QoQ	-0.77%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 13.1% in tier
Net Interest Margin ?	2.92% +23.3% YoY +7.4% QoQ	-1.01%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Bottom 9.2% in tier
Efficiency Ratio ?	76.21% -19.8% YoY -3.4% QoQ	+10.93%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	20%
Delinquency Rate ?	0.02% -90.0% YoY -5.6% QoQ	-0.87%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	Top 15.0% in tier
Loan-to-Deposit Ratio ?	95.53% +4.8% YoY -3.2% QoQ	+18.90%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	Bottom 14.8% in tier
Non-Interest-Bearing Deposit Share ?	13.36% -4.2% YoY +2.0% QoQ	-8.66%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	19%
Nonperforming Asset Ratio ?	0.01% -90.0% YoY -6.3% QoQ	-0.63%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	Top 14.8% in tier
Tier 1 Capital Ratio ?	12.47% -4.5% YoY +0.2% QoQ	-3.36%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.05% -9.5% YoY -81.4% QoQ	-0.23%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	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 (1)

Liquidity Strain

risk

#314 of 643 • Bottom 48.7% 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: 95.53%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Total Loans

size

Value: $716.49M

Peer Median: $255.72M

#54 of 2664 Top 2.0% in $100M-$1B

Total Assets

size

Value: $902.83M

Peer Median: $386.08M

#96 of 2664 Top 3.6% in $100M-$1B

124

Total Deposits

size

Value: $749.98M

Peer Median: $327.97M

#124 of 2664 Top 4.6% in $100M-$1B

394

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#394 of 2664 Top 14.8% in $100M-$1B

398

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#398 of 2654 Top 15.0% in $100M-$1B

Top Weaknesses (6 metrics)

2420

Net Interest Margin

profitability

Value: 2.92%

Peer Median: 3.93%

#2420 of 2664 Bottom 9.2% in $100M-$1B

2315

Return on Assets

profitability

Value: 0.50%

Peer Median: 1.27%

#2315 of 2664 Bottom 13.1% in $100M-$1B

2270

Loan-to-Deposit Ratio

liquidity

Value: 95.53%

Peer Median: 76.64%

#2270 of 2664 Bottom 14.8% in $100M-$1B

2172

Non-Interest-Bearing Deposit Share

funding

Value: 13.36%

Peer Median: 22.02%

#2172 of 2664 Bottom 18.5% in $100M-$1B

2123

Efficiency Ratio

profitability

Value: 76.21%

Peer Median: 65.29%

#2123 of 2664 Bottom 20.3% in $100M-$1B

2119

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2119 of 2664 Bottom 20.5% in $100M-$1B