BlastPoint's Banking Scorecard

42 North Private Bank

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

Canton, MA

2 branches across MA · NY

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 +6.2% year over year ($144.4M on the books).
Delinquency rate 0.03%.
Return on assets -3.86%.
Efficiency ratio 481.58% vs a 64.48% peer average.
Loan-to-deposit ratio 108.41% 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) →

42 North Private Bank has 1 strength but faces 6 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 21.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 8.6% in tier
- NIB Deposit Bleed: Bottom 27.2% in tier
- Return on Assets 5.18% below tier average
- Net Interest Margin 2.96% below tier average
- Loan-to-Deposit Ratio 30.46% above tier average
- Non-Interest Income / Assets 0.56% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$182.2M -2.4% YoY +3.3% QoQ	-$204.4M	$386.6M +1.2% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	22%
Total Loans ?	$156.6M +2.6% YoY +5.3% QoQ	-$101.8M	$258.3M +1.7% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	37%
Total Deposits ?	$144.4M +6.2% YoY +7.5% QoQ	-$182.3M	$326.7M +0.7% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	20%
Return on Assets ?	-3.86% -46.9% YoY +3.5% QoQ	-5.18%	1.32% +10.8% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 0.3% in tier
Net Interest Margin ?	1.03% -55.0% YoY -12.6% QoQ	-2.96%	3.99% +5.0% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 0.1% in tier
Efficiency Ratio ?	481.58% +83.2% YoY +7.3% QoQ	+417.11%	64.48% -3.2% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	Bottom 0.1% in tier
Delinquency Rate ?	0.03% -25.2% YoY -11.2% QoQ	-0.89%	0.92% +15.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	83%
Loan-to-Deposit Ratio ?	108.41% -3.3% YoY -2.1% QoQ	+30.46%	77.95% +1.0% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	Bottom 3.9% in tier
Non-Interest-Bearing Deposit Share ?	0.40% -84.4% YoY +34.8% QoQ	-21.63%	22.03% -0.6% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	Bottom 1.0% in tier
Nonperforming Asset Ratio ?	0.02% -21.3% YoY -9.5% QoQ	-0.65%	0.67% +16.4% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	83%
Tier 1 Capital Ratio ?	12.12% -23.7% YoY -17.5% QoQ	-3.79%	15.91% +1.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.01% +102.0% YoY +432.5% QoQ	-0.56%	0.57% +7.6% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	Bottom 0.6% in tier

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	0.4% -2.2pp YoY +0.1pp QoQ	-21.8pp	22.1%	16.2%	22.2%	0%
Brokered Deposits	20.6% -19.8pp YoY -5.4pp QoQ	+12.7pp	7.9%	6.1%	8.5%	91%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	2.9% +2.9pp YoY	-8.7pp	11.6%	6.5%	12.5%	9%
CRE	16.6% +1.0pp YoY -0.4pp QoQ	-22.9pp	39.5%	40.3%	41.4%	13%
1-4 Family	74.5% -2.2pp YoY -1.7pp QoQ	+41.9pp	32.6%	52.4%	31.3%	95%
Consumer	7.3% -1.8pp YoY -0.8pp QoQ	+3.2pp	4.1%	1.6%	5.0%	86%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	12.1% -3.8pp YoY -2.6pp QoQ	-6.7pp	18.8%	16.6%	19.7%	18%
Leverage Ratio	7.7% -1.3pp YoY -0.9pp QoQ	-4.5pp	12.2%	11.5%	12.6%	1%
Total Capital Ratio	13.4% -3.8pp YoY -2.6pp QoQ	-6.6pp	19.9%	17.5%	20.8%	20%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	25 0 YoY +1 (+4.2%) QoQ	-34	58	755	482	19%
Assets per Employee ($)	$7.3M -2.4% YoY -0.8% QoQ	-$232K	$7.5M	$10.7M	$8.8M	57%
Branch Count	2 +1 (+100.0%) YoY 0 QoQ	-3	4	13	18	11%

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%	7%
Allowance Coverage	45.67x +21.1% YoY +7.2% QoQ	+21.52x	24.15x	7.95x	20.23x	94%
Net Charge-off Rate (YTD)	-0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	5%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	-47.6% -18.6pp YoY +0.1pp QoQ	-59.8pp	12.2%	5.6%	11.6%	0%
Cost of Funds (YTD)	3.5% -0.2pp YoY 0.0pp QoQ	+1.7pp	1.7%	2.0%	1.7%	100%
Net Income ($, YTD)	$-3449000.0 -29.6% YoY — QoQ	-$6.0M	$2.6M	$31.7M	$40.4M	1%

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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

#142 of 659 • Top 21.4% 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)

Efficiency Drag

risk

#32 of 361 • Bottom 8.6% in tier

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

Why this signature

Efficiency Ratio: 481.58%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#45 of 162 • Bottom 27.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 0.40%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

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 (2 metrics)

446

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#446 of 2643 Top 16.8% in $100M-$1B

453

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.92%

#453 of 2633 Top 17.2% in $100M-$1B

Top Weaknesses (8 metrics)

2643

Efficiency Ratio

profitability

Value: 481.58%

Peer Median: 64.48%

#2643 of 2643 Bottom 0.1% in $100M-$1B

2641

Net Interest Margin

profitability

Value: 1.03%

Peer Median: 3.99%

#2641 of 2643 Bottom 0.1% in $100M-$1B

2636

Return on Assets

profitability

Value: -3.86%

Peer Median: 1.32%

#2636 of 2643 Bottom 0.3% in $100M-$1B

2627

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.57%

#2627 of 2643 Bottom 0.6% in $100M-$1B

2618

Non-Interest-Bearing Deposit Share

funding

Value: 0.40%

Peer Median: 22.03%

#2618 of 2643 Bottom 1.0% in $100M-$1B

2542

Loan-to-Deposit Ratio

liquidity

Value: 108.41%

Peer Median: 77.95%

#2542 of 2643 Bottom 3.9% in $100M-$1B

2125

Total Deposits

size

Value: $144.42M

Peer Median: $326.73M

#2125 of 2643 Bottom 19.6% in $100M-$1B

2066

Total Assets

size

Value: $182.16M

Peer Median: $386.57M

#2066 of 2643 Bottom 21.9% in $100M-$1B