BlastPoint's Banking Scorecard
Leader Bank, National Association
Designations: ✓ Community bank ✓ Minority Depository Institution
Arlington, MA
6 branches across MA
Leader Bank, National Association has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.86% below tier average
- + Nonperforming Asset Ratio 0.65% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 9.8% in tier
- - Net Interest Margin 1.47% below tier average
- - ROA 0.66% below tier average
- - Efficiency Ratio 6.87% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.1B
+3.5% YoY
+0.9% QoQ
|
+$2.3B |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
Top 14.4% in tier |
| Total Loans ? |
$4.1B
+7.9% YoY
+0.8% QoQ
|
+$2.2B |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
Top 11.5% in tier |
| Total Deposits ? |
$4.0B
+1.2% YoY
+3.3% QoQ
|
+$1.7B |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
Top 14.7% in tier |
| Return on Assets ? |
0.70%
+27.3% YoY
-6.0% QoQ
|
-0.66% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
17% |
| Net Interest Margin ? |
2.35%
+13.4% YoY
+4.7% QoQ
|
-1.47% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 4.1% in tier |
| Efficiency Ratio ? |
67.93%
+1.1% YoY
+10.4% QoQ
|
+6.87% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
0.03%
-18.6% YoY
-1.1% QoQ
|
-0.86% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
Top 5.0% in tier |
| Loan-to-Deposit Ratio ? |
102.29%
+6.7% YoY
-2.4% QoQ
|
+18.08% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 9.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.01%
-1.3% YoY
+6.5% QoQ
|
-8.27% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.03%
-15.1% YoY
-1.2% QoQ
|
-0.65% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
Top 5.4% in tier |
| Tier 1 Capital Ratio ? |
20.32%
+9.1% YoY
-2.5% QoQ
|
+5.16% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
Top 7.4% in tier |
| Non-Interest Income / Assets ? |
0.21%
+31.7% YoY
-76.8% QoQ
|
-0.05% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
73% |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.