BlastPoint's Banking Scorecard

New Valley Bank & Trust

$100M-$1B Specialty: Commercial MA FDIC cert 59143

Springfield, MA

3 branches across MA

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

New Valley Bank & Trust faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Ratio 24.86% above tier average
- Delinquency Rate 1.85% above tier average
- Nonperforming Asset Ratio 1.18% above tier average
- ROA 0.84% below tier average
- Net Interest Margin 0.96% 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 ?	$381.1M +11.8% YoY +12.4% QoQ	-$5.0M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	58%
Total Loans ?	$253.4M +0.6% YoY -1.5% QoQ	-$2.3M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	60%
Total Deposits ?	$317.0M +14.0% YoY +15.4% QoQ	-$11.0M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	57%
Return on Assets ?	0.43% +182.2% YoY	-0.84%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 11.5% in tier
Net Interest Margin ?	2.97% +7.8% YoY -11.4% QoQ	-0.96%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Bottom 10.5% in tier
Efficiency Ratio ?	90.15% -10.2% YoY +6.2% QoQ	+24.86%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	Bottom 6.3% in tier
Delinquency Rate ?	2.74% -29.1% YoY -12.8% QoQ	+1.85%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	Bottom 6.7% in tier
Loan-to-Deposit Ratio ?	79.94% -11.7% YoY -14.7% QoQ	+3.30%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	47%
Non-Interest-Bearing Deposit Share ?	9.78% +19.2% YoY -0.7% QoQ	-12.24%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	Bottom 10.4% in tier
Nonperforming Asset Ratio ?	1.82% -36.2% YoY -23.6% QoQ	+1.18%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	Bottom 8.2% in tier
Tier 1 Capital Ratio ?	10.71% +8.8% YoY +2.8% QoQ	-5.12%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.04% -25.9% YoY -80.9% QoQ	-0.24%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	Bottom 12.3% 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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2496

Efficiency Ratio

profitability

Value: 90.15%

Peer Median: 65.29%

#2496 of 2664 Bottom 6.3% in $100M-$1B

2476

Delinquency Rate

credit_quality

Value: 2.74%

Peer Median: 0.89%

#2476 of 2654 Bottom 6.7% in $100M-$1B

2447

Nonperforming Asset Ratio

credit_quality

Value: 1.82%

Peer Median: 0.64%

#2447 of 2664 Bottom 8.2% in $100M-$1B

2389

Non-Interest-Bearing Deposit Share

funding

Value: 9.78%

Peer Median: 22.02%

#2389 of 2664 Bottom 10.4% in $100M-$1B

2384

Net Interest Margin

profitability

Value: 2.97%

Peer Median: 3.93%

#2384 of 2664 Bottom 10.5% in $100M-$1B

2359

Return on Assets

profitability

Value: 0.43%

Peer Median: 1.27%

#2359 of 2664 Bottom 11.5% in $100M-$1B

2337

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2337 of 2664 Bottom 12.3% in $100M-$1B

2151

Tier 1 Capital Ratio

capital

Value: 10.71%

Peer Median: 15.83%

#2151 of 2664 Bottom 19.3% in $100M-$1B