BlastPoint's Banking Scorecard

MassMutual Private Wealth & Trust, FSB

under $100M Specialty: Other MA FDIC cert 35394

Springfield, MA

Non-lending institution — comparison caveats apply

MassMutual Private Wealth & Trust, FSB is a trust company, wealth-management entity, or similar non-lending FDIC institution. Loan-based ratios (Loan-to-Deposit, Delinquency Rate, Non-Performing Asset Ratio, Non-Interest-Bearing Deposit Share) and capital ratios are mathematically valid but not directly comparable to traditional banks. This bank is excluded from the Signature Analysis leaderboards for the same reason.

537 banks in the under $100M peer group nationally 2 in MA

View under $100M leaderboard (MA) →

MassMutual Private Wealth & Trust, FSB has 3 strengths but faces 2 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

+ Return on Assets 5.11% above tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ Non-Interest Income / Assets 15.42% above tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 2.47% below tier average
- Non-Interest-Bearing Deposit Share 23.79% below tier average

Get updates when MassMutual Private Wealth & Trust, FSB releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$92.4M +3.0% YoY +1.1% QoQ	+$30.1M	$62.3M -0.5% YoY	$6.7B +9.3% YoY	$6.2B +9.0% YoY	Top 9.7% in tier
Total Loans ?	$0	-$34.3M	$34.3M -1.5% YoY	$2.4B +16.6% YoY	$3.2B +10.7% YoY	Bottom 3.7% in tier
Total Deposits ?	$50.5M 0% YoY 0% QoQ	-$1.3M	$51.8M -0.6% YoY	$5.3B +11.5% YoY	$4.8B +8.0% YoY	46%
Return on Assets ?	5.97% -22.2% YoY -9.1% QoQ	+5.11%	0.86% -3.6% YoY	0.55% +41.3% YoY	1.24% +13.1% YoY	Top 1.7% in tier
Net Interest Margin ?	1.40% -32.2% YoY -27.3% QoQ	-2.47%	3.87% +2.7% YoY	3.01% +9.6% YoY	3.89% +5.7% YoY	Bottom 1.1% in tier
Efficiency Ratio ?	87.59% +3.7% YoY +1.2% QoQ	-0.04%	87.63% +2.3% YoY	80.10% -2.5% YoY	66.84% -3.8% YoY	23%
Delinquency Rate ?	-	-	1.36% +33.7% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	-
Loan-to-Deposit Ratio ?	0.00%	-64.11%	64.11% -0.9% YoY	91.35% -0.3% YoY	76.69% +0.9% YoY	Top 0.1% in tier
Non-Interest-Bearing Deposit Share ?	0.00%	-23.79%	23.79% +0.5% YoY	15.67% -3.7% YoY	22.01% -1.1% YoY	Bottom 4.7% in tier
Nonperforming Asset Ratio ?	0.00%	-0.77%	0.77% +28.7% YoY	0.58% +29.6% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	57.18% +1.4% YoY +13.1% QoQ	+30.40%	26.77% +2.0% YoY	15.05% +1.8% YoY	17.06% +0.8% YoY	Top 6.3% in tier
Non-Interest Income / Assets ?	16.09% +1.5% YoY -75.0% QoQ	+15.42%	0.67% +1.6% YoY	0.28% +1.4% YoY	0.32% +4.0% YoY	Top 1.5% 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 (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (6 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 0.00%

Peer Median: 64.11%

#1 of 537 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 16.09%

Peer Median: 0.67%

#9 of 537 Top 1.5% in under $100M

Return on Assets

profitability

Value: 5.97%

Peer Median: 0.86%

#10 of 537 Top 1.7% in under $100M

Tier 1 Capital Ratio

capital

Value: 57.18%

Peer Median: 26.77%

#35 of 537 Top 6.3% in under $100M

Total Assets

size

Value: $92.38M

Peer Median: $62.28M

#53 of 537 Top 9.7% in under $100M

Top Weaknesses (4 metrics)

532

Net Interest Margin

profitability

Value: 1.40%

Peer Median: 3.87%

#532 of 537 Bottom 1.1% in under $100M

518

Total Loans

size

Value: $0.00

Peer Median: $34.29M

#518 of 537 Bottom 3.7% in under $100M

513

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 23.79%

#513 of 537 Bottom 4.7% in under $100M

415

Efficiency Ratio

profitability

Value: 87.59%

Peer Median: 87.63%

#415 of 537 Bottom 22.9% in under $100M