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

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 -2.3% year over year ($576.5M on the books).
Delinquency rate 0.04%.
Return on assets 0.14%.
Efficiency ratio 93.09% vs a 64.48% peer average.
Loan-to-deposit ratio 91.44% 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) →

Middlesex Federal Savings, F.A. has 1 strength 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 0.87% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 4.9% in tier
- Liquidity Strain: Bottom 6.2% in tier
- Deposit Outflow: Bottom 7.3% in tier
- Capital Thin: Bottom 8.6% in tier
- Efficiency Drag: Bottom 8.9% in tier
- Return on Assets 1.19% below tier average
- Net Interest Margin 1.27% below tier average

Get updates when Middlesex Federal Savings, F.A. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$654.4M -1.1% YoY +2.0% QoQ	+$267.8M	$386.6M +1.2% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	85%
Total Loans ?	$527.1M +0.1% YoY -0.2% QoQ	+$268.8M	$258.3M +1.7% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	Top 9.4% in tier
Total Deposits ?	$576.5M -2.3% YoY +0.2% QoQ	+$249.8M	$326.7M +0.7% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	Top 13.9% in tier
Return on Assets ?	0.14% -80.8% YoY +37.3% QoQ	-1.19%	1.32% +10.8% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 4.7% in tier
Net Interest Margin ?	2.72% -29.6% YoY +1.8% QoQ	-1.27%	3.99% +5.0% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 5.3% in tier
Efficiency Ratio ?	93.09% +23.7% YoY +0.9% QoQ	+28.61%	64.48% -3.2% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	Bottom 4.0% in tier
Delinquency Rate ?	0.04% -53.1% YoY	-0.87%	0.92% +15.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	80%
Loan-to-Deposit Ratio ?	91.44% +2.4% YoY -0.4% QoQ	+13.48%	77.95% +1.0% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	23%
Non-Interest-Bearing Deposit Share ?	7.98% -88.2% YoY +15.2% QoQ	-14.05%	22.03% -0.6% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	Bottom 7.1% in tier
Nonperforming Asset Ratio ?	0.04% -52.6% YoY	-0.63%	0.67% +16.4% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	81%
Tier 1 Capital Ratio ?	9.97% -21.5% YoY -0.7% QoQ	-5.94%	15.91% +1.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	Bottom 10.2% in tier
Non-Interest Income / Assets ?	0.46% +297.1% YoY +110.0% QoQ	-0.11%	0.57% +7.6% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	Top 10.9% 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	8.0% -59.8pp YoY +1.1pp QoQ	-14.2pp	22.1%	16.2%	22.2%	6%
Brokered Deposits	n/a	n/a	7.9%	6.1%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	2.3% -0.4pp YoY -0.4pp QoQ	-9.3pp	11.6%	6.5%	12.5%	8%
CRE	54.7% -2.2pp YoY +0.4pp QoQ	+15.2pp	39.5%	40.3%	41.4%	77%
1-4 Family	44.2% +2.6pp YoY 0.0pp QoQ	+11.6pp	32.6%	52.4%	31.3%	76%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	1.6%	5.0%	0%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	16.6%	19.7%	n/a
Leverage Ratio	10.0% +0.5pp YoY -0.1pp QoQ	-2.2pp	12.2%	11.5%	12.6%	30%
Total Capital Ratio	n/a	n/a	19.9%	17.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	72 +2 (+2.9%) YoY -1 (-1.4%) QoQ	+13	58	755	482	72%
Assets per Employee ($)	$9.1M -3.8% YoY +3.4% QoQ	+$1.6M	$7.5M	$10.7M	$8.8M	80%
Branch Count	4 0 YoY 0 QoQ	-1	4	13	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.3pp	0.3%	0.1%	0.4%	37%
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	27.06x +108.8% YoY	+2.91x	24.15x	7.95x	20.23x	91%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY	-0.1pp	0.1%	0.1%	0.2%	30%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	1.6% -7.4pp YoY +0.4pp QoQ	-10.6pp	12.2%	5.6%	11.6%	5%
Cost of Funds (YTD)	2.3% +1.4pp YoY 0.0pp QoQ	+0.5pp	1.7%	2.0%	1.7%	83%
Net Income ($, YTD)	$440,000 -80.8% YoY — QoQ	-$2.1M	$2.6M	$31.7M	$40.4M	9%

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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

#9 of 162 • Bottom 4.9% 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: 7.98%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#44 of 691 • Bottom 6.2% 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: 91.44%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#40 of 535 • Bottom 7.3% in tier

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

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

Capital Thin

risk

#58 of 661 • 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: 9.97%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Efficiency Drag

risk

#33 of 361 • Bottom 8.9% in tier

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

Why this signature

Efficiency Ratio: 93.09%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 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 (6 metrics)

249

Total Loans

size

Value: $527.13M

Peer Median: $258.35M

#249 of 2643 Top 9.4% in $100M-$1B

290

Non-Interest Income / Assets

revenue_mix

Value: 0.46%

Peer Median: 0.57%

#290 of 2643 Top 10.9% in $100M-$1B

369

Total Deposits

size

Value: $576.50M

Peer Median: $326.73M

#369 of 2643 Top 13.9% in $100M-$1B

405

Total Assets

size

Value: $654.37M

Peer Median: $386.57M

#405 of 2643 Top 15.3% in $100M-$1B

510

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.67%

#510 of 2643 Top 19.3% in $100M-$1B

523

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.92%

#523 of 2633 Top 19.8% in $100M-$1B

Top Weaknesses (6 metrics)

2538

Efficiency Ratio

profitability

Value: 93.09%

Peer Median: 64.48%

#2538 of 2643 Bottom 4.0% in $100M-$1B

2521

Return on Assets

profitability

Value: 0.14%

Peer Median: 1.32%

#2521 of 2643 Bottom 4.7% in $100M-$1B

2505

Net Interest Margin

profitability

Value: 2.72%

Peer Median: 3.99%

#2505 of 2643 Bottom 5.3% in $100M-$1B

2457

Non-Interest-Bearing Deposit Share

funding

Value: 7.98%

Peer Median: 22.03%

#2457 of 2643 Bottom 7.1% in $100M-$1B

2374

Tier 1 Capital Ratio

capital

Value: 9.97%

Peer Median: 15.91%

#2374 of 2643 Bottom 10.2% in $100M-$1B

2023

Loan-to-Deposit Ratio

liquidity

Value: 91.44%

Peer Median: 77.95%

#2023 of 2643 Bottom 23.5% in $100M-$1B