BlastPoint's Banking Scorecard

Middlesex Savings Bank

$1B-$10B Specialty: Commercial MA FDIC cert 90183

Natick, MA

35 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 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
Deposits -1.1% year over year ($5.2B on the books).
Delinquency rate 0.33%.
Return on assets 0.72%.
Efficiency ratio 68.19% vs a 59.73% peer average.
Loan-to-deposit ratio 72.54% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $1B-$10B leaderboard (MA) →

Middlesex 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 0.53% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 23.5% in tier
- Credit Risk Growth: Bottom 33.1% in tier
- Net Interest Margin 1.15% below tier average
- ROA 0.67% below tier average
- Efficiency Ratio 8.46% above tier average

Get updates when Middlesex 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 ?	$6.1B +0.8% YoY -0.1% QoQ	+$3.4B	$2.8B -0.6% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	Top 9.4% in tier
Total Loans ?	$3.8B +6.5% YoY +2.2% QoQ	+$1.8B	$2.0B -0.3% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	Top 12.9% in tier
Total Deposits ?	$5.2B -1.1% YoY -0.6% QoQ	+$2.9B	$2.3B -0.5% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	Top 9.4% in tier
Return on Assets ?	0.72% +93.6% YoY +23.7% QoQ	-0.67%	1.39% +17.0% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 14.8% in tier
Net Interest Margin ?	2.72% +23.7% YoY +3.4% QoQ	-1.15%	3.87% +6.2% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 7.1% in tier
Efficiency Ratio ?	68.19% -14.4% YoY -7.2% QoQ	+8.46%	59.73% -12.6% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	25%
Delinquency Rate ?	0.33% +69.7% YoY +69.2% QoQ	-0.53%	0.87% +11.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	66%
Loan-to-Deposit Ratio ?	72.54% +7.7% YoY +2.9% QoQ	-12.50%	85.04% -0.1% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	81%
Non-Interest-Bearing Deposit Share ?	25.00% +4.3% YoY +2.1% QoQ	+3.73%	21.27% -1.5% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	71%
Nonperforming Asset Ratio ?	0.20% +79.4% YoY +73.1% QoQ	-0.47%	0.67% +11.7% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	72%
Tier 1 Capital Ratio ?	18.24% +4.1% YoY +1.2% QoQ	+3.40%	14.84% -0.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	Top 10.8% in tier
Non-Interest Income / Assets ?	0.14% +12.1% YoY +141.7% QoQ	-0.39%	0.53% +2.5% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	15%

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	25.0% +1.0pp YoY +0.5pp QoQ	+3.6pp	21.4%	16.2%	22.2%	71%
Brokered Deposits	n/a	n/a	9.5%	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	5.2% -0.1pp YoY -0.2pp QoQ	-8.8pp	14.0%	6.5%	12.5%	19%
CRE	51.3% -2.0pp YoY 0.0pp QoQ	+1.2pp	50.0%	40.3%	41.4%	55%
1-4 Family	42.8% +1.8pp YoY +0.1pp QoQ	+16.3pp	26.4%	52.4%	31.3%	84%
Consumer	0.8% +0.3pp YoY +0.1pp QoQ	-3.9pp	4.7%	1.6%	5.0%	40%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	18.2% +0.7pp YoY +0.2pp QoQ	+2.6pp	15.6%	16.6%	19.7%	88%
Leverage Ratio	13.4% +0.7pp YoY +0.2pp QoQ	+2.1pp	11.3%	11.5%	12.6%	88%
Total Capital Ratio	19.0% +0.7pp YoY +0.2pp QoQ	+2.3pp	16.7%	17.5%	20.8%	87%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	490 +2 (+0.4%) YoY -3 (-0.6%) QoQ	+176	313	755	482	83%
Assets per Employee ($)	$12.5M +0.4% YoY +0.5% QoQ	+$2.1M	$10.5M	$10.7M	$8.8M	81%
Branch Count	35 0 YoY 0 QoQ	+15	20	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	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.3% +0.1pp YoY +0.1pp QoQ	-0.5pp	0.8%	0.8%	1.0%	34%
Allowance Coverage	2.71x -46.7% YoY -43.2% QoQ	-16.00x	18.71x	7.95x	20.23x	60%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	32%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	5.6% +2.4pp YoY +1.0pp QoQ	-7.0pp	12.6%	5.6%	11.6%	10%
Cost of Funds (YTD)	1.9% -0.2pp YoY 0.0pp QoQ	0.0pp	1.9%	2.0%	1.7%	49%
Net Income ($, YTD)	$22.2M +95.1% YoY — QoQ	+$3.0M	$19.2M	$31.7M	$40.4M	74%

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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)

Flatlined Growth

risk

#39 of 162 • Bottom 23.5% 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: 0.72%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#134 of 402 • Bottom 33.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 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 885 peers in $1B-$10B

Top Strengths (5 metrics)

Total Assets

size

Value: $6.15B

Peer Median: $2.79B

#84 of 885 Top 9.4% in $1B-$10B

Total Deposits

size

Value: $5.18B

Peer Median: $2.32B

#84 of 885 Top 9.4% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 18.24%

Peer Median: 14.84%

#97 of 885 Top 10.8% in $1B-$10B

115

Total Loans

size

Value: $3.75B

Peer Median: $1.96B

#115 of 885 Top 12.9% in $1B-$10B

171

Loan-to-Deposit Ratio

liquidity

Value: 72.54%

Peer Median: 85.04%

#171 of 885 Top 19.2% in $1B-$10B

Top Weaknesses (4 metrics)

823

Net Interest Margin

profitability

Value: 2.72%

Peer Median: 3.87%

#823 of 885 Bottom 7.1% in $1B-$10B

755

Return on Assets

profitability

Value: 0.72%

Peer Median: 1.39%

#755 of 885 Bottom 14.8% in $1B-$10B

749

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.53%

#749 of 885 Bottom 15.5% in $1B-$10B

666

Efficiency Ratio

profitability

Value: 68.19%

Peer Median: 59.73%

#666 of 885 Bottom 24.9% in $1B-$10B