BlastPoint's Banking Scorecard

Leader Bank, National Association

$1B-$10B Specialty: Commercial MA FDIC cert 57134

Designations: ✓ Community bank ✓ Minority Depository Institution

Arlington, MA

7 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 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
Deposits +2.8% year over year ($4.3B on the books).
Delinquency rate 0.03%.
Return on assets 0.84%.
Efficiency ratio 63.41% vs a 59.73% peer average.
Loan-to-deposit ratio 101.89% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 46 in MA

View $1B-$10B leaderboard (MA) →

Leader Bank, National Association has 2 strengths but faces 4 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 0.84% below tier average
+ Nonperforming Asset Ratio 0.65% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 11.0% in tier
- Net Interest Margin 1.35% below tier average
- ROA 0.55% below tier average
- Efficiency Ratio 3.69% above tier average

Get updates when Leader Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$5.3B +3.4% YoY +4.1% QoQ	+$2.5B	$2.8B -0.6% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	Top 13.4% in tier
Total Loans ?	$4.3B +10.2% YoY +5.0% QoQ	+$2.4B	$2.0B -0.3% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	Top 10.4% in tier
Total Deposits ?	$4.3B +2.8% YoY +5.4% QoQ	+$1.9B	$2.3B -0.5% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	Top 13.2% in tier
Return on Assets ?	0.84% +25.7% YoY +19.3% QoQ	-0.55%	1.39% +17.0% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	20%
Net Interest Margin ?	2.52% +16.6% YoY +7.2% QoQ	-1.35%	3.87% +6.2% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 4.7% in tier
Efficiency Ratio ?	63.41% -0.2% YoY -6.6% QoQ	+3.69%	59.73% -12.6% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	36%
Delinquency Rate ?	0.03% -21.2% YoY -8.4% QoQ	-0.84%	0.87% +11.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	Top 6.5% in tier
Loan-to-Deposit Ratio ?	101.89% +7.2% YoY -0.4% QoQ	+16.86%	85.04% -0.1% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	Bottom 11.0% in tier
Non-Interest-Bearing Deposit Share ?	14.79% +13.1% YoY +13.6% QoQ	-6.48%	21.27% -1.5% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	27%
Nonperforming Asset Ratio ?	0.02% -16.0% YoY -7.6% QoQ	-0.65%	0.67% +11.7% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	Top 6.3% in tier
Tier 1 Capital Ratio ?	19.80% -5.7% YoY -2.5% QoQ	+4.96%	14.84% -0.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	Top 7.9% in tier
Non-Interest Income / Assets ?	0.42% +22.5% YoY +103.8% QoQ	-0.11%	0.53% +2.5% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	73%

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	14.8% +1.7pp YoY +1.8pp QoQ	-6.6pp	21.4%	16.2%	22.2%	26%
Brokered Deposits	4.4% -14.0pp YoY -2.2pp QoQ	-5.1pp	9.5%	6.1%	8.5%	45%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	1.0% +0.1pp YoY -0.2pp QoQ	-13.0pp	14.0%	6.5%	12.5%	3%
CRE	35.7% -2.2pp YoY -1.3pp QoQ	-14.3pp	50.0%	40.3%	41.4%	16%
1-4 Family	50.8% +2.1pp YoY +0.4pp QoQ	+24.4pp	26.4%	52.4%	31.3%	90%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	1.6%	5.0%	2%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	19.8% -1.2pp YoY -0.5pp QoQ	+4.2pp	15.6%	16.6%	19.7%	91%
Leverage Ratio	11.6% +0.7pp YoY -0.2pp QoQ	+0.3pp	11.3%	11.5%	12.6%	71%
Total Capital Ratio	21.1% -1.2pp YoY -0.5pp QoQ	+4.4pp	16.7%	17.5%	20.8%	91%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	464 +54 (+13.2%) YoY +16 (+3.6%) QoQ	+150	313	755	482	82%
Assets per Employee ($)	$11.4M -8.7% YoY +0.5% QoQ	+$908K	$10.5M	$10.7M	$8.8M	75%
Branch Count	6 0 YoY 0 QoQ	-14	20	13	18	14%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.8%	0.8%	1.0%	4%
Allowance Coverage	33.06x +29.5% YoY +4.3% QoQ	+14.35x	18.71x	7.95x	20.23x	96%
Net Charge-off Rate (YTD)	-0.0%	-0.3pp	0.3%	0.1%	0.2%	12%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	7.8% +1.5pp YoY +1.3pp QoQ	-4.8pp	12.6%	5.6%	11.6%	18%
Cost of Funds (YTD)	2.4% -0.4pp YoY 0.0pp QoQ	+0.5pp	1.9%	2.0%	1.7%	80%
Net Income ($, YTD)	$21.5M +32.4% YoY — QoQ	+$2.2M	$19.2M	$31.7M	$40.4M	72%

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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 (1)

Liquidity Overhang

risk

#20 of 172 • Bottom 11.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 19.80%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 101.89%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (6 metrics)

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#57 of 885 Top 6.3% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.87%

#58 of 882 Top 6.5% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 19.80%

Peer Median: 14.84%

#71 of 885 Top 7.9% in $1B-$10B

Total Loans

size

Value: $4.34B

Peer Median: $1.96B

#93 of 885 Top 10.4% in $1B-$10B

118

Total Deposits

size

Value: $4.26B

Peer Median: $2.32B

#118 of 885 Top 13.2% in $1B-$10B

120

Total Assets

size

Value: $5.28B

Peer Median: $2.79B

#120 of 885 Top 13.4% in $1B-$10B

Top Weaknesses (3 metrics)

844

Net Interest Margin

profitability

Value: 2.52%

Peer Median: 3.87%

#844 of 885 Bottom 4.7% in $1B-$10B

789

Loan-to-Deposit Ratio

liquidity

Value: 101.89%

Peer Median: 85.04%

#789 of 885 Bottom 11.0% in $1B-$10B

711

Return on Assets

profitability

Value: 0.84%

Peer Median: 1.39%

#711 of 885 Bottom 19.8% in $1B-$10B