BlastPoint's Banking Scorecard

Middlesex Federal Savings, F.A.

$100M-$1B Specialty: Commercial MA FDIC cert 28368

Designations: ✓ Mutual

Somerville, MA

4 branches across MA

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

Middlesex Federal Savings, F.A. has 2 strengths but faces 7 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 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 1.5% in tier
- Deposit Outflow: Bottom 6.5% in tier
- Efficiency Drag: Bottom 7.2% in tier
- Capital Thin: Bottom 8.6% in tier
- Liquidity Strain: Bottom 22.2% in tier
- Return on Assets 1.17% below tier average
- Net Interest Margin 1.26% 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 ?	$641.7M -0.5% YoY +0.6% QoQ	+$255.6M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$528.2M +4.4% YoY +3.4% QoQ	+$272.5M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	Top 9.0% in tier
Total Deposits ?	$575.6M -1.6% YoY -0.1% QoQ	+$247.6M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	Top 14.3% in tier
Return on Assets ?	0.10% -86.8% YoY -85.6% QoQ	-1.17%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 4.6% in tier
Net Interest Margin ?	2.67% -30.8% YoY -33.2% QoQ	-1.26%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Bottom 5.0% in tier
Efficiency Ratio ?	92.25% +20.2% YoY +25.2% QoQ	+26.97%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	Bottom 5.0% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	91.76% +6.1% YoY +3.5% QoQ	+15.12%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	6.93% -89.9% YoY -89.7% QoQ	-15.09%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	Bottom 5.6% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.04% -22.5% YoY -26.9% QoQ	-5.79%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	Bottom 10.2% in tier
Non-Interest Income / Assets ?	0.22% +266.8% YoY -11.2% QoQ	-0.06%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	Top 11.7% 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 (5)

NIB Deposit Bleed

decline

#4 of 198 • Bottom 1.5% 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: 6.93%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

Deposit Outflow

decline

#34 of 506 • Bottom 6.5% 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

Efficiency Drag

risk

#31 of 414 • Bottom 7.2% in tier

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

Why this signature

Efficiency Ratio: 92.25%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Capital Thin

risk

#58 of 666 • Bottom 8.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.04%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Liquidity Strain

risk

#144 of 643 • Bottom 22.2% 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: 91.76%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

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

242

Total Loans

size

Value: $528.18M

Peer Median: $255.72M

#242 of 2664 Top 9.0% in $100M-$1B

313

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.28%

#313 of 2664 Top 11.7% in $100M-$1B

382

Total Deposits

size

Value: $575.62M

Peer Median: $327.97M

#382 of 2664 Top 14.3% in $100M-$1B

436

Total Assets

size

Value: $641.69M

Peer Median: $386.08M

#436 of 2664 Top 16.3% in $100M-$1B

Top Weaknesses (6 metrics)

2542

Return on Assets

profitability

Value: 0.10%

Peer Median: 1.27%

#2542 of 2664 Bottom 4.6% in $100M-$1B

2532

Efficiency Ratio

profitability

Value: 92.25%

Peer Median: 65.29%

#2532 of 2664 Bottom 5.0% in $100M-$1B

2531

Net Interest Margin

profitability

Value: 2.67%

Peer Median: 3.93%

#2531 of 2664 Bottom 5.0% in $100M-$1B

2515

Non-Interest-Bearing Deposit Share

funding

Value: 6.93%

Peer Median: 22.02%

#2515 of 2664 Bottom 5.6% in $100M-$1B

2393

Tier 1 Capital Ratio

capital

Value: 10.04%

Peer Median: 15.83%

#2393 of 2664 Bottom 10.2% in $100M-$1B

2103

Loan-to-Deposit Ratio

liquidity

Value: 91.76%

Peer Median: 76.64%

#2103 of 2664 Bottom 21.1% in $100M-$1B