BlastPoint's Banking Scorecard

The Bank of Canton

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

Canton, MA

6 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 +3.8% year over year ($661.1M on the books).
Delinquency rate 0.91%.
Return on assets 0.51%.
Efficiency ratio 73.92% vs a 64.48% peer average.
Loan-to-deposit ratio 80.34% 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) →

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 24.1% in tier
- NIB Deposit Bleed: Bottom 64.8% in tier
- ROA 0.81% below tier average
- Net Interest Margin 0.34% below tier average
- Efficiency Ratio 9.44% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$782.5M +3.6% YoY -1.3% QoQ	+$396.0M	$386.6M +1.2% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	Top 8.8% in tier
Total Loans ?	$531.1M +2.3% YoY -0.3% QoQ	+$272.8M	$258.3M +1.7% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	Top 9.0% in tier
Total Deposits ?	$661.1M +3.8% YoY -2.0% QoQ	+$334.4M	$326.7M +0.7% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	Top 8.9% in tier
Return on Assets ?	0.51% -32.9% YoY +290.2% QoQ	-0.81%	1.32% +10.8% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 12.6% in tier
Net Interest Margin ?	3.65% -5.1% YoY +0.2% QoQ	-0.34%	3.99% +5.0% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	34%
Efficiency Ratio ?	73.92% -3.4% YoY -2.5% QoQ	+9.44%	64.48% -3.2% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	22%
Delinquency Rate ?	0.91% -25.3% QoQ	-0.01%	0.92% +15.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	31%
Loan-to-Deposit Ratio ?	80.34% -1.5% YoY +1.7% QoQ	+2.38%	77.95% +1.0% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	49%
Non-Interest-Bearing Deposit Share ?	14.62% -15.3% YoY -18.5% QoQ	-7.41%	22.03% -0.6% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	23%
Nonperforming Asset Ratio ?	0.62% -24.5% QoQ	-0.05%	0.67% +16.4% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	34%
Tier 1 Capital Ratio ?	22.99% +0.3% YoY +2.0% QoQ	+7.08%	15.91% +1.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	Top 9.0% in tier
Non-Interest Income / Assets ?	0.35% +3.6% YoY +102.7% QoQ	-0.22%	0.57% +7.6% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	80%

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	14.6% -2.6pp YoY -3.3pp QoQ	-7.5pp	22.1%	16.2%	22.2%	22%
Brokered Deposits	n/a	n/a	7.9%	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	1.5% +0.4pp YoY +0.4pp QoQ	-10.0pp	11.6%	6.5%	12.5%	5%
CRE	50.0% -4.7pp YoY -2.9pp QoQ	+10.5pp	39.5%	40.3%	41.4%	70%
1-4 Family	47.4% +4.7pp YoY +2.5pp QoQ	+14.8pp	32.6%	52.4%	31.3%	79%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	1.6%	5.0%	4%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	23.0% +0.1pp YoY +0.5pp QoQ	+4.2pp	18.8%	16.6%	19.7%	85%
Leverage Ratio	14.4% -0.4pp YoY -0.2pp QoQ	+2.3pp	12.2%	11.5%	12.6%	84%
Total Capital Ratio	24.2% +0.1pp YoY +0.5pp QoQ	+4.3pp	19.9%	17.5%	20.8%	86%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	106 0 YoY +1 (+1.0%) QoQ	+47	58	755	482	89%
Assets per Employee ($)	$7.4M +3.6% YoY -2.2% QoQ	-$136K	$7.5M	$10.7M	$8.8M	59%
Branch Count	6 0 YoY 0 QoQ	+1	4	13	18	66%

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	0.9% +0.9pp YoY 0.0pp QoQ	0.0pp	0.9%	0.8%	1.0%	69%
Allowance Coverage	1.40x -93.8% YoY +33.0% QoQ	-22.75x	24.15x	7.95x	20.23x	37%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	14%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	3.6% -1.8pp YoY +2.6pp QoQ	-8.6pp	12.2%	5.6%	11.6%	10%
Cost of Funds (YTD)	1.5% +0.1pp YoY +0.1pp QoQ	-0.3pp	1.7%	2.0%	1.7%	34%
Net Income ($, YTD)	$2.0M -29.8% YoY — QoQ	-$553K	$2.6M	$31.7M	$40.4M	52%

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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 (2)

Liquidity Overhang

risk

#180 of 742 • Bottom 24.1% 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: 22.99%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 80.34%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#106 of 162 • Bottom 64.8% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 14.62%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ

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 (5 metrics)

233

Total Assets

size

Value: $782.54M

Peer Median: $386.57M

#233 of 2643 Top 8.8% in $100M-$1B

235

Total Deposits

size

Value: $661.12M

Peer Median: $326.73M

#235 of 2643 Top 8.9% in $100M-$1B

239

Tier 1 Capital Ratio

capital

Value: 22.99%

Peer Median: 15.91%

#239 of 2643 Top 9.0% in $100M-$1B

240

Total Loans

size

Value: $531.12M

Peer Median: $258.35M

#240 of 2643 Top 9.0% in $100M-$1B

541

Non-Interest Income / Assets

revenue_mix

Value: 0.35%

Peer Median: 0.57%

#541 of 2643 Top 20.4% in $100M-$1B

Top Weaknesses (3 metrics)

2310

Return on Assets

profitability

Value: 0.51%

Peer Median: 1.32%

#2310 of 2643 Bottom 12.6% in $100M-$1B

2059

Efficiency Ratio

profitability

Value: 73.92%

Peer Median: 64.48%

#2059 of 2643 Bottom 22.1% in $100M-$1B

2046

Non-Interest-Bearing Deposit Share

funding

Value: 14.62%

Peer Median: 22.03%

#2046 of 2643 Bottom 22.6% in $100M-$1B