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Bluestone Bank

$1B-$10B Specialty: Commercial MA FDIC cert 90169

Designations: ✓ Community bank

Raynham, MA

11 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 +5.0% year over year ($1.3B on the books).
  • Delinquency rate 1.05%.
  • Return on assets 0.30%.
  • Efficiency ratio 83.08% vs a 59.73% peer average.
  • Loan-to-deposit ratio 90.00% 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) →

Bluestone Bank 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

  • - Liquidity Strain: Bottom 5.0% in tier
  • - Efficiency Drag: Bottom 25.0% in tier
  • - Return on Assets 1.09% below tier average
  • - Net Interest Margin 1.44% below tier average
  • - Delinquency Rate 0.18% above tier average
Get updates when Bluestone Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $1.6B
+2.3% YoY -0.3% QoQ
-$1.2B $2.8B
-0.6% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
40%
Total Loans ? $1.2B
-0.2% YoY -1.1% QoQ
-$777.9M $2.0B
-0.3% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
42%
Total Deposits ? $1.3B
+5.0% YoY +1.0% QoQ
-$1.0B $2.3B
-0.5% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
38%
Return on Assets ? 0.30%
-14.3% YoY +206.6% QoQ
-1.09% 1.39%
+17.0% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
Bottom 3.6% in tier
Net Interest Margin ? 2.43%
+4.6% YoY +2.2% QoQ
-1.44% 3.87%
+6.2% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 3.8% in tier
Efficiency Ratio ? 83.08%
+0.2% YoY -4.1% QoQ
+23.35% 59.73%
-12.6% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
Bottom 4.6% in tier
Delinquency Rate ? 1.05%
+54.2% QoQ
+0.18% 0.87%
+11.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
26%
Loan-to-Deposit Ratio ? 90.00%
-4.9% YoY -2.0% QoQ
+4.97% 85.04%
-0.1% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
41%
Non-Interest-Bearing Deposit Share ? 12.76%
-4.1% YoY +4.5% QoQ
-8.51% 21.27%
-1.5% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
18%
Nonperforming Asset Ratio ? 0.77%
+53.1% QoQ
+0.09% 0.67%
+11.7% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
30%
Tier 1 Capital Ratio ? 13.29%
+42.0% YoY +4.2% QoQ
-1.55% 14.84%
-0.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
53%
Non-Interest Income / Assets ? 0.23%
-10.3% YoY +123.0% QoQ
-0.30% 0.53%
+2.5% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
37%

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 12.8%
-0.5pp YoY
+0.5pp QoQ
 -8.6pp 21.4% 16.2% 22.2% 17%
Brokered Deposits n/a n/a 9.5% 6.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 7.2%
-1.1pp YoY
-0.1pp QoQ
 -6.8pp 14.0% 6.5% 12.5% 29%
CRE 45.8%
+2.4pp YoY
-0.4pp QoQ
 -4.2pp 50.0% 40.3% 41.4% 38%
1-4 Family 45.7%
-1.4pp YoY
+0.4pp QoQ
 +19.3pp 26.4% 52.4% 31.3% 87%
Consumer 1.9%
+0.1pp YoY
+0.1pp QoQ
 -2.8pp 4.7% 1.6% 5.0% 62%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 13.3%
+0.5pp QoQ
 -2.3pp 15.6% 16.6% 19.7% 46%
Leverage Ratio 9.5%
+0.2pp YoY
0.0pp QoQ
 -1.8pp 11.3% 11.5% 12.6% 22%
Total Capital Ratio 14.0%
+0.5pp QoQ
 -2.7pp 16.7% 17.5% 20.8% 39%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 159
-6 (-3.6%) YoY
-1 (-0.6%) QoQ
 -155 313 755 482 26%
Assets per Employee ($) $10.2M
+6.1% YoY
+0.3% QoQ
 -$282K $10.5M $10.7M $8.8M 67%
Branch Count 11
-1 (-8.3%) YoY
0 QoQ
 -9 20 13 18 35%

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 1.0%
+1.0pp YoY
+0.4pp QoQ
 +0.2pp 0.8% 0.8% 1.0% 75%
Allowance Coverage 0.59x
-91.9% YoY
-36.2% QoQ
 -18.12x 18.71x 7.95x 20.23x 9%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
-0.2pp QoQ
 -0.1pp 0.3% 0.1% 0.2% 76%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 3.8%
-1.1pp YoY
+2.5pp QoQ
 -8.8pp 12.6% 5.6% 11.6% 5%
Cost of Funds (YTD) 2.3%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.9% 2.0% 1.7% 79%
Net Income ($, YTD) $2.4M
-13.0% YoY
— QoQ
 -$16.8M $19.2M $31.7M $40.4M 4%

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 (2)

Liquidity Strain

risk
#19 of 361 • Bottom 5.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.00%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#16 of 60 • Bottom 25.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 83.08%
(Tier: 59.73%, National: 70.05%)
worse than tier avg
60 of 60 Mid-Market banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

854
Return on Assets
profitability
Value: 0.30%
Peer Median: 1.39%
#854 of 885 Bottom 3.6% in $1B-$10B
852
Net Interest Margin
profitability
Value: 2.43%
Peer Median: 3.87%
#852 of 885 Bottom 3.8% in $1B-$10B
845
Efficiency Ratio
profitability
Value: 83.08%
Peer Median: 59.73%
#845 of 885 Bottom 4.6% in $1B-$10B
728
Non-Interest-Bearing Deposit Share
funding
Value: 12.76%
Peer Median: 21.27%
#728 of 885 Bottom 17.9% in $1B-$10B
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