BlastPoint's Banking Scorecard

New Valley Bank & Trust

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

Springfield, MA

3 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 +15.8% year over year ($321.4M on the books).
Delinquency rate 2.39%.
Return on assets 0.08%.
Efficiency ratio 94.11% vs a 64.48% peer average.
Loan-to-deposit ratio 77.20% 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) →

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

- Return on Assets 1.24% below tier average
- Net Interest Margin 1.16% below tier average
- Efficiency Ratio 29.63% above tier average
- Delinquency Rate 1.47% above tier average
- Non-Interest-Bearing Deposit Share 14.12% below tier average

Get updates when New Valley Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$385.0M +13.1% YoY +1.0% QoQ	-$1.6M	$386.6M +1.2% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	59%
Total Loans ?	$248.1M -3.6% YoY -2.1% QoQ	-$10.3M	$258.3M +1.7% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	59%
Total Deposits ?	$321.4M +15.8% YoY +1.4% QoQ	-$5.3M	$326.7M +0.7% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	58%
Return on Assets ?	0.08% +118.8% YoY -80.6% QoQ	-1.24%	1.32% +10.8% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 4.2% in tier
Net Interest Margin ?	2.82% -6.7% YoY -4.9% QoQ	-1.16%	3.99% +5.0% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 6.4% in tier
Efficiency Ratio ?	94.11% -0.3% YoY +4.4% QoQ	+29.63%	64.48% -3.2% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	Bottom 3.6% in tier
Delinquency Rate ?	2.39% -33.7% YoY -12.6% QoQ	+1.47%	0.92% +15.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	Bottom 9.5% in tier
Loan-to-Deposit Ratio ?	77.20% -16.7% YoY -3.4% QoQ	-0.76%	77.95% +1.0% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	55%
Non-Interest-Bearing Deposit Share ?	7.91% +2.7% YoY -19.2% QoQ	-14.12%	22.03% -0.6% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	Bottom 6.8% in tier
Nonperforming Asset Ratio ?	1.54% -43.4% YoY -15.3% QoQ	+0.87%	0.67% +16.4% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	Bottom 11.5% in tier
Tier 1 Capital Ratio ?	10.79% +6.8% YoY +0.7% QoQ	-5.12%	15.91% +1.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.08% -20.4% YoY +104.1% QoQ	-0.49%	0.57% +7.6% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	Bottom 12.1% 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	7.9% +0.2pp YoY -1.9pp QoQ	-14.2pp	22.1%	16.2%	22.2%	6%
Brokered Deposits	4.1% -2.8pp YoY -0.4pp QoQ	-3.7pp	7.9%	6.1%	8.5%	46%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	24.8% -1.8pp YoY +1.5pp QoQ	+13.3pp	11.6%	6.5%	12.5%	93%
CRE	62.1% +3.1pp YoY -0.9pp QoQ	+22.5pp	39.5%	40.3%	41.4%	87%
1-4 Family	15.2% -1.4pp YoY -0.3pp QoQ	-17.5pp	32.6%	52.4%	31.3%	20%
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	10.8% +0.7pp YoY +0.1pp QoQ	-8.0pp	18.8%	16.6%	19.7%	6%
Leverage Ratio	7.4% -0.8pp YoY -0.6pp QoQ	-4.7pp	12.2%	11.5%	12.6%	1%
Total Capital Ratio	12.0% +0.7pp YoY +0.1pp QoQ	-7.9pp	19.9%	17.5%	20.8%	8%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	36 -6 (-14.3%) YoY -4 (-10.0%) QoQ	-23	58	755	482	36%
Assets per Employee ($)	$10.7M +32.0% YoY +12.3% QoQ	+$3.2M	$7.5M	$10.7M	$8.8M	89%
Branch Count	3 0 YoY 0 QoQ	-2	4	13	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	2.4% -1.2pp YoY -0.3pp QoQ	+1.5pp	0.9%	0.8%	1.0%	91%
Allowance Coverage	0.87x +37.9% YoY +35.7% QoQ	-23.28x	24.15x	7.95x	20.23x	23%
Net Charge-off Rate (YTD)	-0.2% -1.5pp YoY -0.3pp QoQ	-0.3pp	0.1%	0.1%	0.2%	2%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	1.1% +6.9pp YoY -4.6pp QoQ	-11.1pp	12.2%	5.6%	11.6%	5%
Cost of Funds (YTD)	2.2% -0.1pp YoY +0.1pp QoQ	+0.5pp	1.7%	2.0%	1.7%	82%
Net Income ($, YTD)	$155,000 +120.6% YoY — QoQ	-$2.4M	$2.6M	$31.7M	$40.4M	5%

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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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2548

Efficiency Ratio

profitability

Value: 94.11%

Peer Median: 64.48%

#2548 of 2643 Bottom 3.6% in $100M-$1B

2533

Return on Assets

profitability

Value: 0.08%

Peer Median: 1.32%

#2533 of 2643 Bottom 4.2% in $100M-$1B

2475

Net Interest Margin

profitability

Value: 2.82%

Peer Median: 3.99%

#2475 of 2643 Bottom 6.4% in $100M-$1B

2465

Non-Interest-Bearing Deposit Share

funding

Value: 7.91%

Peer Median: 22.03%

#2465 of 2643 Bottom 6.8% in $100M-$1B

2384

Delinquency Rate

credit_quality

Value: 2.39%

Peer Median: 0.92%

#2384 of 2633 Bottom 9.5% in $100M-$1B

2339

Nonperforming Asset Ratio

credit_quality

Value: 1.54%

Peer Median: 0.67%

#2339 of 2643 Bottom 11.5% in $100M-$1B

2323

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2323 of 2643 Bottom 12.1% in $100M-$1B

2109

Tier 1 Capital Ratio

capital

Value: 10.79%

Peer Median: 15.91%

#2109 of 2643 Bottom 20.2% in $100M-$1B