BlastPoint's Banking Scorecard

East Cambridge Savings Bank

$1B-$10B Specialty: Commercial MA FDIC cert 90173

Designations: ✓ Community bank ✓ Mutual

Cambridge, MA

12 branches across MA

884 banks in the $1B-$10B peer group nationally 46 in MA

East Cambridge Savings Bank has 1 strength but faces 4 concerns

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

+ Credit Quality Leader: Top 40.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 7.5% in tier
- Efficiency Drag: Bottom 36.5% in tier
- Return on Assets 1.04% below tier average
- Net Interest Margin 1.32% 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 ?	$1.7B +2.8% YoY +1.7% QoQ	-$1.1B	$2.8B -0.1% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	41%
Total Loans ?	$1.3B -1.8% YoY -1.6% QoQ	-$692.6M	$2.0B +0.6% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	45%
Total Deposits ?	$1.3B +3.3% YoY +1.6% QoQ	-$1.0B	$2.3B -0.3% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	38%
Return on Assets ?	0.32% +2.9% YoY -7.1% QoQ	-1.04%	1.37% +19.6% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 6.1% in tier
Net Interest Margin ?	2.50% +9.3% YoY +4.2% QoQ	-1.32%	3.82% +6.9% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Bottom 5.8% in tier
Efficiency Ratio ?	85.57% +3.6% YoY +3.5% QoQ	+24.51%	61.06% -4.6% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	Bottom 5.0% in tier
Delinquency Rate ?	0.14% -24.9% YoY +10.7% QoQ	-0.74%	0.89% +14.1% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	85%
Loan-to-Deposit Ratio ?	95.01% -5.0% YoY -3.2% QoQ	+10.81%	84.20% +0.3% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	25%
Non-Interest-Bearing Deposit Share ?	13.44% +10.2% YoY +14.1% QoQ	-7.85%	21.29% -2.5% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	0.11% -31.1% YoY +7.1% QoQ	-0.56%	0.67% +15.6% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	84%
Tier 1 Capital Ratio ?	14.40% +2.2% YoY +1.9% QoQ	-0.76%	15.16% +2.0% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	67%
Non-Interest Income / Assets ?	0.08% +11.6% YoY -75.1% QoQ	-0.17%	0.26% +1.6% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	24%

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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 (1)

Credit Quality Leader

growth

#89 of 220 • Top 40.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Strain

risk

#26 of 334 • Bottom 7.5% 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: 95.01%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#28 of 74 • Bottom 36.5% in tier

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

Why this signature

Efficiency Ratio: 85.57%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable | 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (2 metrics)

137

Delinquency Rate

credit_quality

Value: 0.14%

Peer Median: 0.89%

#137 of 880 Top 15.5% in $1B-$10B

141

Nonperforming Asset Ratio

credit_quality

Value: 0.11%

Peer Median: 0.67%

#141 of 884 Top 15.8% in $1B-$10B

Top Weaknesses (6 metrics)

841

Efficiency Ratio

profitability

Value: 85.57%

Peer Median: 61.06%

#841 of 884 Bottom 5.0% in $1B-$10B

834

Net Interest Margin

profitability

Value: 2.50%

Peer Median: 3.82%

#834 of 884 Bottom 5.8% in $1B-$10B

831

Return on Assets

profitability

Value: 0.32%

Peer Median: 1.37%

#831 of 884 Bottom 6.1% in $1B-$10B

695

Non-Interest-Bearing Deposit Share

funding

Value: 13.44%

Peer Median: 21.29%

#695 of 884 Bottom 21.5% in $1B-$10B

674

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.26%

#674 of 884 Bottom 23.9% in $1B-$10B

667

Loan-to-Deposit Ratio

liquidity

Value: 95.01%

Peer Median: 84.20%

#667 of 884 Bottom 24.7% in $1B-$10B