BlastPoint's Banking Scorecard

Mechanics Cooperative Bank

$100M-$1B Specialty: Commercial MA FDIC cert 26634

Taunton, MA

11 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 +3.4% year over year ($679.6M on the books).
Delinquency rate 0.03%.
Return on assets 1.24%.
Efficiency ratio 56.07% vs a 64.48% peer average.
Loan-to-deposit ratio 108.81% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 39 in MA

View $100M-$1B leaderboard (MA) →

Mechanics Cooperative Bank has 3 strengths 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

+ Credit Quality Leader: Top 14.1% in tier
+ Net Interest Margin 0.35% above tier average
+ Efficiency Ratio 8.41% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.2% in tier
- Credit Risk Growth: Bottom 22.0% in tier
- Loan-to-Deposit Ratio 30.85% above tier average
- ROA 0.08% below tier average

Get updates when Mechanics Cooperative 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 ?	$898.8M +8.2% YoY +2.3% QoQ	+$512.2M	$386.6M +1.2% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	Top 3.7% in tier
Total Loans ?	$739.4M +6.9% YoY +2.3% QoQ	+$481.1M	$258.3M +1.7% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	Top 1.2% in tier
Total Deposits ?	$679.6M +3.4% YoY -0.2% QoQ	+$352.8M	$326.7M +0.7% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	Top 8.0% in tier
Return on Assets ?	1.24% -3.1% YoY +9.2% QoQ	-0.08%	1.32% +10.8% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	50%
Net Interest Margin ?	4.33% +8.2% YoY +0.1% QoQ	+0.35%	3.99% +5.0% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	72%
Efficiency Ratio ?	56.07% -3.2% YoY -3.6% QoQ	-8.41%	64.48% -3.2% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	69%
Delinquency Rate ?	0.03% +13.1% YoY -3.1% QoQ	-0.88%	0.92% +15.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	82%
Loan-to-Deposit Ratio ?	108.81% +3.4% YoY +2.6% QoQ	+30.85%	77.95% +1.0% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	Bottom 3.7% in tier
Non-Interest-Bearing Deposit Share ?	16.24% +6.2% YoY +4.7% QoQ	-5.79%	22.03% -0.6% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	28%
Nonperforming Asset Ratio ?	0.03% +11.8% YoY -3.0% QoQ	-0.64%	0.67% +16.4% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	82%
Tier 1 Capital Ratio ?	14.38% -11.0% YoY +0.6% QoQ	-1.53%	15.91% +1.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.17% +6.5% YoY +161.8% QoQ	-0.40%	0.57% +7.6% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	39%

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	16.2% +0.9pp YoY +0.7pp QoQ	-5.9pp	22.1%	16.2%	22.2%	28%
Brokered Deposits	4.4% -4.4pp YoY -1.7pp QoQ	-3.5pp	7.9%	6.1%	8.5%	47%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	5.6% -1.1pp YoY -0.6pp QoQ	-5.9pp	11.6%	6.5%	12.5%	24%
CRE	60.3% +3.6pp YoY +1.6pp QoQ	+20.8pp	39.5%	40.3%	41.4%	84%
1-4 Family	33.7% -2.2pp YoY -0.7pp QoQ	+1.1pp	32.6%	52.4%	31.3%	59%
Consumer	1.2% -0.1pp YoY -0.2pp QoQ	-2.9pp	4.1%	1.6%	5.0%	33%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	14.4% -1.8pp YoY +0.1pp QoQ	-4.4pp	18.8%	16.6%	19.7%	43%
Leverage Ratio	12.4% -0.4pp YoY +0.3pp QoQ	+0.2pp	12.2%	11.5%	12.6%	68%
Total Capital Ratio	15.4% -1.7pp YoY +0.1pp QoQ	-4.6pp	19.9%	17.5%	20.8%	41%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	103 +2 (+2.0%) YoY +4 (+4.0%) QoQ	+44	58	755	482	88%
Assets per Employee ($)	$8.7M +6.1% YoY -1.7% QoQ	+$1.2M	$7.5M	$10.7M	$8.8M	77%
Branch Count	11 0 YoY 0 QoQ	+6	4	13	18	93%

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	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	8%
Allowance Coverage	25.35x -5.8% YoY +3.6% QoQ	+1.20x	24.15x	7.95x	20.23x	90%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	34%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	9.6% -1.1pp YoY +0.7pp QoQ	-2.6pp	12.2%	5.6%	11.6%	34%
Cost of Funds (YTD)	2.1% -0.2pp YoY 0.0pp QoQ	+0.3pp	1.7%	2.0%	1.7%	74%
Net Income ($, YTD)	$5.5M +2.5% YoY — QoQ	+$2.9M	$2.6M	$31.7M	$40.4M	90%

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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

#94 of 659 • Top 14.1% in tier

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

Why this signature

Delinquency Rate: 0.03%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#29 of 1256 • Bottom 2.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.03%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#207 of 936 • Bottom 22.0% in tier

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

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Total Loans

size

Value: $739.42M

Peer Median: $258.35M

#34 of 2643 Top 1.2% in $100M-$1B

Total Assets

size

Value: $898.76M

Peer Median: $386.57M

#98 of 2643 Top 3.7% in $100M-$1B

212

Total Deposits

size

Value: $679.58M

Peer Median: $326.73M

#212 of 2643 Top 8.0% in $100M-$1B

467

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.67%

#467 of 2643 Top 17.6% in $100M-$1B

485

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.92%

#485 of 2633 Top 18.4% in $100M-$1B

Top Weaknesses (1 metrics)

2547

Loan-to-Deposit Ratio

liquidity

Value: 108.81%

Peer Median: 77.95%

#2547 of 2643 Bottom 3.7% in $100M-$1B