BlastPoint's Banking Scorecard
Wrentham Co-operative Bank
Designations: ✓ Mutual
Wrentham, 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 +6.1% year over year ($175.8M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.04%.
- Efficiency ratio 98.00% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.15% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Wrentham Co-operative Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 39.1% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.28% below tier average
- - Net Interest Margin 1.94% below tier average
- - Efficiency Ratio 33.52% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$192.6M
+5.4% YoY
-1.2% QoQ
|
-$194.0M |
$386.6M
+1.2% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
25% |
| Total Loans ? |
$118.0M
+5.5% YoY
+5.0% QoQ
|
-$140.3M |
$258.3M
+1.7% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
25% |
| Total Deposits ? |
$175.8M
+6.1% YoY
-1.3% QoQ
|
-$151.0M |
$326.7M
+0.7% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
28% |
| Return on Assets ? |
0.04%
+115.5% YoY
|
-1.28% |
1.32%
+10.8% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
Bottom 3.7% in tier |
| Net Interest Margin ? |
2.05%
+18.6% YoY
+6.3% QoQ
|
-1.94% |
3.99%
+5.0% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 1.0% in tier |
| Efficiency Ratio ? |
98.00%
-19.3% YoY
-2.4% QoQ
|
+33.52% |
64.48%
-3.2% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
67.15%
-0.6% YoY
+6.4% QoQ
|
-10.80% |
77.95%
+1.0% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
12.78%
+11.1% YoY
+10.7% QoQ
|
-9.25% |
22.03%
-0.6% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
17% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
20.38%
+129.1% YoY
-3.1% QoQ
|
+4.47% |
15.91%
+1.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
Top 12.9% in tier |
| Non-Interest Income / Assets ? |
0.08%
-36.6% YoY
+103.8% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 14.2% 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 |
12.8%
+1.3pp YoY +1.2pp QoQ |
-9.4pp | 22.1% | 16.2% | 22.2% | 16% |
| 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 |
0.0%
0.0pp YoY 0.0pp QoQ |
-11.5pp | 11.6% | 6.5% | 12.5% | 0% |
| CRE | n/a | n/a | 39.5% | 40.3% | 41.4% | n/a |
| 1-4 Family |
98.8%
+0.3pp YoY +0.1pp QoQ |
+66.2pp | 32.6% | 52.4% | 31.3% | 99% |
| Consumer |
0.9%
-0.2pp YoY 0.0pp QoQ |
-3.2pp | 4.1% | 1.6% | 5.0% | 26% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.4%
-0.6pp QoQ |
+1.6pp | 18.8% | 16.6% | 19.7% | 79% |
| Leverage Ratio |
8.3%
-0.6pp YoY -0.1pp QoQ |
-3.8pp | 12.2% | 11.5% | 12.6% | 4% |
| Total Capital Ratio |
20.9%
-0.7pp QoQ |
+1.0pp | 19.9% | 17.5% | 20.8% | 77% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
18
0 YoY +1 (+5.9%) QoQ |
-41 | 58 | 755 | 482 | 8% |
| Assets per Employee ($) |
$10.7M
+5.4% YoY -6.7% QoQ |
+$3.2M | $7.5M | $10.7M | $8.8M | 89% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 13 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 7.95x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
0.5%
+3.7pp YoY +0.5pp QoQ |
-11.7pp | 12.2% | 5.6% | 11.6% | 4% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 2.0% | 1.7% | 71% |
| Net Income ($, YTD) |
$43,000
+116.4% YoY — QoQ |
-$2.5M | $2.6M | $31.7M | $40.4M | 4% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.