BlastPoint's Banking Scorecard

The Bank of Canton

$100M-$1B Specialty: Commercial MA FDIC cert 90175

Canton, MA

6 branches across MA

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

The Bank of Canton 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 Overhang: Bottom 25.3% in tier
- Return on Assets 1.14% below tier average
- Net Interest Margin 0.29% below tier average
- Efficiency Ratio 10.51% above tier average
- Delinquency Rate 0.33% above 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 ?	$792.8M +6.7% YoY +4.0% QoQ	+$406.7M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	Top 8.3% in tier
Total Loans ?	$532.9M +3.1% YoY -1.2% QoQ	+$277.1M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	Top 8.9% in tier
Total Deposits ?	$674.5M +7.8% YoY +4.9% QoQ	+$346.5M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	Top 8.5% in tier
Return on Assets ?	0.13% -82.9% YoY -84.4% QoQ	-1.14%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 5.3% in tier
Net Interest Margin ?	3.64% -5.6% YoY -5.2% QoQ	-0.29%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	37%
Efficiency Ratio ?	75.80% -0.9% YoY +2.1% QoQ	+10.51%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	21%
Delinquency Rate ?	1.21%	+0.33%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	24%
Loan-to-Deposit Ratio ?	79.00% -4.4% YoY -5.8% QoQ	+2.37%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	49%
Non-Interest-Bearing Deposit Share ?	17.94% +9.6% YoY +1.8% QoQ	-4.08%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	36%
Nonperforming Asset Ratio ?	0.82%	+0.18%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	25%
Tier 1 Capital Ratio ?	22.53% -1.8% YoY +0.8% QoQ	+6.70%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	Top 9.2% in tier
Non-Interest Income / Assets ?	0.17% -0.3% YoY -74.2% QoQ	-0.11%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	80%

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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 (1)

Liquidity Overhang

risk

#188 of 739 • Bottom 25.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 22.53%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 79.00%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

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 (5 metrics)

222

Total Assets

size

Value: $792.83M

Peer Median: $386.08M

#222 of 2664 Top 8.3% in $100M-$1B

228

Total Deposits

size

Value: $674.46M

Peer Median: $327.97M

#228 of 2664 Top 8.5% in $100M-$1B

238

Total Loans

size

Value: $532.85M

Peer Median: $255.72M

#238 of 2664 Top 8.9% in $100M-$1B

246

Tier 1 Capital Ratio

capital

Value: 22.53%

Peer Median: 15.83%

#246 of 2664 Top 9.2% in $100M-$1B

538

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#538 of 2664 Top 20.2% in $100M-$1B

Top Weaknesses (3 metrics)

2525

Return on Assets

profitability

Value: 0.13%

Peer Median: 1.27%

#2525 of 2664 Bottom 5.3% in $100M-$1B

2102

Efficiency Ratio

profitability

Value: 75.80%

Peer Median: 65.29%

#2102 of 2664 Bottom 21.1% in $100M-$1B

2021

Delinquency Rate

credit_quality

Value: 1.21%

Peer Median: 0.89%

#2021 of 2654 Bottom 23.9% in $100M-$1B