BlastPoint's Banking Scorecard
Bluestone Bank
Designations: ✓ Community bank
Raynham, MA
12 branches across MA
Bluestone Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.21% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 14.4% in tier
- - Efficiency Drag: Bottom 25.7% in tier
- - Credit Risk Growth: Bottom 46.9% in tier
- - Return on Assets 1.27% below tier average
- - Net Interest Margin 1.44% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+2.0% YoY
+3.1% QoQ
|
-$1.2B |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
40% |
| Total Loans ? |
$1.2B
+3.6% YoY
-0.2% QoQ
|
-$767.0M |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
43% |
| Total Deposits ? |
$1.3B
+1.2% YoY
+4.1% QoQ
|
-$1.0B |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
37% |
| Return on Assets ? |
0.10%
-57.0% YoY
-77.2% QoQ
|
-1.27% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 2.9% in tier |
| Net Interest Margin ? |
2.38%
+9.6% YoY
-3.7% QoQ
|
-1.44% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 4.4% in tier |
| Efficiency Ratio ? |
86.62%
-1.7% YoY
+9.3% QoQ
|
+25.56% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 4.5% in tier |
| Delinquency Rate ? |
0.68%
+504.9% YoY
+575.3% QoQ
|
-0.21% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
91.83%
+2.3% YoY
-4.2% QoQ
|
+7.63% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
12.21%
-1.7% YoY
-3.9% QoQ
|
-9.08% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.50%
+514.1% YoY
+553.6% QoQ
|
-0.17% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
45% |
| Tier 1 Capital Ratio ? |
12.75%
+37.3% YoY
+32.8% QoQ
|
-2.41% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.10%
-18.1% YoY
-79.9% QoQ
|
-0.15% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
34% |
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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 (3)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.