BlastPoint's Banking Scorecard

42 North Private Bank

$100M-$1B Specialty: Mortgage MA FDIC cert 27015

Canton, MA

2 branches across MA · NY

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

42 North Private Bank has 1 strength but faces 8 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 0.86% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 12.1% in tier
- Deposit Outflow: Bottom 13.2% in tier
- Liquidity Strain: Bottom 17.9% in tier
- Capital Constraint: Bottom 71.3% in tier
- Return on Assets 5.27% below tier average
- Net Interest Margin 2.75% below tier average
- Non-Interest-Bearing Deposit Share 21.73% below tier average
- Non-Interest Income / Assets 0.28% below 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 ?	$176.4M -16.5% YoY -0.8% QoQ	-$209.7M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	21%
Total Loans ?	$148.7M -9.2% YoY -0.1% QoQ	-$107.0M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	36%
Total Deposits ?	$134.3M -12.5% YoY -0.7% QoQ	-$193.6M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	17%
Return on Assets ?	-4.00% -110.9% YoY -39.0% QoQ	-5.27%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 0.4% in tier
Net Interest Margin ?	1.18% -57.2% YoY -41.0% QoQ	-2.75%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Bottom 0.1% in tier
Efficiency Ratio ?	448.91% +129.7% YoY +60.9% QoQ	+383.62%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	Bottom 0.1% in tier
Delinquency Rate ?	0.03% -95.3% YoY -6.0% QoQ	-0.86%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	82%
Loan-to-Deposit Ratio ?	110.72% +3.8% YoY +0.6% QoQ	+34.08%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	Bottom 2.7% in tier
Non-Interest-Bearing Deposit Share ?	0.29% -69.0% YoY -84.0% QoQ	-21.73%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	Bottom 0.8% in tier
Nonperforming Asset Ratio ?	0.03% -94.9% YoY -5.3% QoQ	-0.61%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	82%
Tier 1 Capital Ratio ?	14.69% -7.2% YoY +10.1% QoQ	-1.14%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.00% +100.7% YoY +100.4% QoQ	-0.28%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	Bottom 0.5% in tier

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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 (4)

Efficiency Drag

risk

#51 of 414 • Bottom 12.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 448.91%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Deposit Outflow

decline

#68 of 506 • Bottom 13.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#116 of 643 • Bottom 17.9% 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: 110.72%

(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

Capital Constraint

risk

#78 of 108 • Bottom 71.3% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 110.72%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 14.69%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

470

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.89%

#470 of 2654 Top 17.7% in $100M-$1B

474

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.64%

#474 of 2664 Top 17.8% in $100M-$1B

Top Weaknesses (8 metrics)

2664

Efficiency Ratio

profitability

Value: 448.91%

Peer Median: 65.29%

#2664 of 2664 Bottom 0.1% in $100M-$1B

2662

Net Interest Margin

profitability

Value: 1.18%

Peer Median: 3.93%

#2662 of 2664 Bottom 0.1% in $100M-$1B

2655

Return on Assets

profitability

Value: -4.00%

Peer Median: 1.27%

#2655 of 2664 Bottom 0.4% in $100M-$1B

2653

Non-Interest Income / Assets

revenue_mix

Value: 0.00%

Peer Median: 0.28%

#2653 of 2664 Bottom 0.5% in $100M-$1B

2643

Non-Interest-Bearing Deposit Share

funding

Value: 0.29%

Peer Median: 22.02%

#2643 of 2664 Bottom 0.8% in $100M-$1B

2594

Loan-to-Deposit Ratio

liquidity

Value: 110.72%

Peer Median: 76.64%

#2594 of 2664 Bottom 2.7% in $100M-$1B

2222

Total Deposits

size

Value: $134.34M

Peer Median: $327.97M

#2222 of 2664 Bottom 16.6% in $100M-$1B

2109

Total Assets

size

Value: $176.38M

Peer Median: $386.08M

#2109 of 2664 Bottom 20.9% in $100M-$1B