BlastPoint's Banking Scorecard

Clinton Savings Bank

$100M-$1B Specialty: Commercial MA FDIC cert 90181

Clinton, MA

9 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 -1.6% year over year ($581.6M on the books).
Delinquency rate 0.51%.
Return on assets 0.35%.
Efficiency ratio 93.16% vs a 64.48% peer average.
Loan-to-deposit ratio 88.09% 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) →

Clinton Savings Bank has 1 strength but faces 5 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

+ Delinquency Rate 0.41% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 5.7% in tier
- Deposit Outflow: Bottom 46.5% in tier
- Return on Assets 0.97% below tier average
- Net Interest Margin 1.00% below tier average
- Efficiency Ratio 28.68% above tier average

Get updates when Clinton Savings 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 ?	$744.7M +0.1% YoY +2.2% QoQ	+$358.1M	$386.6M +1.2% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	Top 10.3% in tier
Total Loans ?	$512.3M -2.3% YoY +0.4% QoQ	+$253.9M	$258.3M +1.7% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	Top 10.4% in tier
Total Deposits ?	$581.6M -1.6% YoY -0.3% QoQ	+$254.8M	$326.7M +0.7% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	Top 13.4% in tier
Return on Assets ?	0.35% +65.2% YoY +47.0% QoQ	-0.97%	1.32% +10.8% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 8.6% in tier
Net Interest Margin ?	2.98% +13.3% YoY -1.6% QoQ	-1.00%	3.99% +5.0% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 9.4% in tier
Efficiency Ratio ?	93.16% -0.9% YoY +3.5% QoQ	+28.68%	64.48% -3.2% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	Bottom 4.0% in tier
Delinquency Rate ?	0.51% -79.1% YoY -70.3% QoQ	-0.41%	0.92% +15.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	45%
Loan-to-Deposit Ratio ?	88.09% -0.7% YoY +0.7% QoQ	+10.14%	77.95% +1.0% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	31%
Non-Interest-Bearing Deposit Share ?	11.26% -3.3% YoY +4.6% QoQ	-10.77%	22.03% -0.6% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	Bottom 13.1% in tier
Nonperforming Asset Ratio ?	1.24% -38.4% YoY -12.7% QoQ	+0.57%	0.67% +16.4% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	16%
Tier 1 Capital Ratio ?	13.63% -8.3% YoY -0.9% QoQ	-2.28%	15.91% +1.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.14% -26.4% YoY +97.4% QoQ	-0.42%	0.57% +7.6% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	32%

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	11.3% -0.4pp YoY +0.5pp QoQ	-10.9pp	22.1%	16.2%	22.2%	13%
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	1.3% +0.1pp YoY +0.1pp QoQ	-10.3pp	11.6%	6.5%	12.5%	4%
CRE	39.1% -0.6pp YoY 0.0pp QoQ	-0.4pp	39.5%	40.3%	41.4%	51%
1-4 Family	59.7% +0.6pp YoY -0.3pp QoQ	+27.1pp	32.6%	52.4%	31.3%	90%
Consumer	1.0% -0.2pp YoY -0.1pp QoQ	-3.2pp	4.1%	1.6%	5.0%	27%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	13.6% -1.2pp YoY -0.1pp QoQ	-5.2pp	18.8%	16.6%	19.7%	35%
Leverage Ratio	9.7% -0.8pp YoY +0.1pp QoQ	-2.5pp	12.2%	11.5%	12.6%	24%
Total Capital Ratio	14.8% -1.3pp YoY -0.2pp QoQ	-5.1pp	19.9%	17.5%	20.8%	36%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	95 -9 (-8.7%) YoY -5 (-5.0%) QoQ	+36	58	755	482	85%
Assets per Employee ($)	$7.8M +9.6% YoY +7.5% QoQ	+$321K	$7.5M	$10.7M	$8.8M	65%
Branch Count	9 0 YoY 0 QoQ	+4	4	13	18	86%

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	0.5% -1.9pp YoY -1.2pp QoQ	-0.4pp	0.9%	0.8%	1.0%	53%
Allowance Coverage	2.37x +315.6% YoY +171.8% QoQ	-21.78x	24.15x	7.95x	20.23x	52%
Net Charge-off Rate (YTD)	0.7% +0.5pp YoY +0.6pp QoQ	+0.5pp	0.1%	0.1%	0.2%	95%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	4.4% +1.8pp YoY +1.4pp QoQ	-7.8pp	12.2%	5.6%	11.6%	12%
Cost of Funds (YTD)	1.8% -0.2pp YoY 0.0pp QoQ	+0.1pp	1.7%	2.0%	1.7%	61%
Net Income ($, YTD)	$1.3M +63.7% YoY — QoQ	-$1.3M	$2.6M	$31.7M	$40.4M	36%

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

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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)

Flatlined Growth

risk

#31 of 529 • Bottom 5.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.35%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

Deposit Outflow

decline

#250 of 535 • Bottom 46.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

273

Total Assets

size

Value: $744.70M

Peer Median: $386.57M

#273 of 2643 Top 10.3% in $100M-$1B

275

Total Loans

size

Value: $512.28M

Peer Median: $258.35M

#275 of 2643 Top 10.4% in $100M-$1B

354

Total Deposits

size

Value: $581.56M

Peer Median: $326.73M

#354 of 2643 Top 13.4% in $100M-$1B

Top Weaknesses (5 metrics)

2539

Efficiency Ratio

profitability

Value: 93.16%

Peer Median: 64.48%

#2539 of 2643 Bottom 4.0% in $100M-$1B

2418

Return on Assets

profitability

Value: 0.35%

Peer Median: 1.32%

#2418 of 2643 Bottom 8.6% in $100M-$1B

2395

Net Interest Margin

profitability

Value: 2.98%

Peer Median: 3.99%

#2395 of 2643 Bottom 9.4% in $100M-$1B

2298

Non-Interest-Bearing Deposit Share

funding

Value: 11.26%

Peer Median: 22.03%

#2298 of 2643 Bottom 13.1% in $100M-$1B

2229

Nonperforming Asset Ratio

credit_quality

Value: 1.24%

Peer Median: 0.67%

#2229 of 2643 Bottom 15.7% in $100M-$1B