BlastPoint's Banking Scorecard
Clinton Savings Bank
Clinton, MA
9 branches across MA
Clinton Savings Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 38.5% in tier
- - Return on Assets 1.03% below tier average
- - Efficiency Ratio 24.75% above tier average
- - Net Interest Margin 0.90% below tier average
- - Delinquency Rate 0.82% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$728.9M
-2.8% YoY
-1.9% QoQ
|
+$342.8M |
$386.1M
+0.5% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
Top 11.1% in tier |
| Total Loans ? |
$510.0M
-3.7% YoY
-2.2% QoQ
|
+$254.3M |
$255.7M
+1.1% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
Top 10.0% in tier |
| Total Deposits ? |
$583.1M
-2.4% YoY
+2.2% QoQ
|
+$255.2M |
$328.0M
+0.1% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
Top 13.7% in tier |
| Return on Assets ? |
0.24%
+250.3% YoY
+134.0% QoQ
|
-1.03% |
1.27%
+12.9% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.0% in tier |
| Net Interest Margin ? |
3.03%
+21.2% YoY
+10.4% QoQ
|
-0.90% |
3.93%
+6.0% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.4% in tier |
| Efficiency Ratio ? |
90.04%
-14.1% YoY
-3.8% QoQ
|
+24.75% |
65.29%
-4.5% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.5% in tier |
| Delinquency Rate ? |
1.71%
-40.1% YoY
+6.7% QoQ
|
+0.82% |
0.89%
+18.8% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
87.46%
-1.3% YoY
-4.3% QoQ
|
+10.83% |
76.64%
+0.8% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
10.77%
-6.3% YoY
-4.6% QoQ
|
-11.25% |
22.02%
-1.0% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 12.2% in tier |
| Nonperforming Asset Ratio ? |
1.42%
-29.4% YoY
+5.6% QoQ
|
+0.79% |
0.64%
+19.7% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.5% in tier |
| Tier 1 Capital Ratio ? |
13.75%
-6.4% YoY
-1.2% QoQ
|
-2.08% |
15.83%
+1.5% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.07%
+14.4% YoY
-79.0% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
33% |
Get Full Access to Clinton Savings Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.