BlastPoint's Banking Scorecard
Dean Co-operative Bank
Designations: ✓ Mutual
Franklin, MA
4 branches across MA
Dean Co-operative Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.82% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 20.74% above tier average
- - ROA 0.87% below tier average
- - Net Interest Margin 0.73% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$493.3M
+3.4% YoY
+0.8% QoQ
|
+$107.2M |
$386.1M
+0.5% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
72% |
| Total Loans ? |
$344.1M
+2.7% YoY
+0.1% QoQ
|
+$88.4M |
$255.7M
+1.1% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
74% |
| Total Deposits ? |
$422.7M
+3.7% YoY
+0.8% QoQ
|
+$94.7M |
$328.0M
+0.1% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
0.40%
+76.7% YoY
+35.6% QoQ
|
-0.87% |
1.27%
+12.9% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.5% in tier |
| Net Interest Margin ? |
3.20%
+12.4% YoY
+7.7% QoQ
|
-0.73% |
3.93%
+6.0% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
17% |
| Efficiency Ratio ? |
86.03%
-6.2% YoY
-3.8% QoQ
|
+20.74% |
65.29%
-4.5% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 9.5% in tier |
| Delinquency Rate ? |
0.07%
-75.9% YoY
-12.3% QoQ
|
-0.82% |
0.89%
+18.8% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
81.41%
-1.0% YoY
-0.7% QoQ
|
+4.77% |
76.64%
+0.8% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
30.54%
-1.9% YoY
-1.0% QoQ
|
+8.52% |
22.02%
-1.0% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.05%
-76.1% YoY
-12.9% QoQ
|
-0.59% |
0.64%
+19.7% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
78% |
| Tier 1 Capital Ratio ? |
13.60%
+3.8% YoY
+2.3% QoQ
|
-2.23% |
15.83%
+1.5% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.16%
+2.7% YoY
-76.2% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
76% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.