BlastPoint

BlastPoint's Banking Scorecard

Middlesex Savings Bank

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

Natick, MA

35 branches across MA

884 banks in the $1B-$10B peer group nationally 46 in MA
View $1B-$10B leaderboard (MA) →

Middlesex Savings Bank has 1 strength but faces 6 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

  • + Credit Quality Leader: Top 3.2% in tier

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 12.0% in tier
  • - Credit Risk Growth: Bottom 16.9% in tier
  • - Credit Quality Pressure: Bottom 22.6% in tier
  • - Net Interest Margin 1.19% below tier average
  • - ROA 0.78% below tier average
  • - Efficiency Ratio 12.40% above tier average
Get updates when Middlesex Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $6.2B
+0.2% YoY -0.0% QoQ
+$3.3B $2.8B
-0.1% YoY
$6.8B
+9.3% YoY
$6.2B
+9.1% YoY
Top 9.8% in tier
Total Loans ? $3.7B
+3.9% YoY +1.2% QoQ
+$1.7B $2.0B
+0.6% YoY
$2.4B
+16.6% YoY
$3.2B
+10.8% YoY
Top 13.8% in tier
Total Deposits ? $5.2B
-1.3% YoY -0.3% QoQ
+$2.9B $2.3B
-0.3% YoY
$5.3B
+11.5% YoY
$4.8B
+8.2% YoY
Top 9.8% in tier
Return on Assets ? 0.58%
+105.1% YoY +7.4% QoQ
-0.78% 1.37%
+19.6% YoY
0.49%
+59.0% YoY
1.23%
+13.4% YoY
Bottom 11.5% in tier
Net Interest Margin ? 2.63%
+25.6% YoY +11.2% QoQ
-1.19% 3.82%
+6.9% YoY
3.03%
+10.0% YoY
3.89%
+5.7% YoY
Bottom 6.9% in tier
Efficiency Ratio ? 73.46%
-15.1% YoY -1.3% QoQ
+12.40% 61.06%
-4.6% YoY
80.02%
-2.5% YoY
66.95%
-4.1% YoY
18%
Delinquency Rate ? 0.20%
+216.4% YoY -0.1% QoQ
-0.69% 0.89%
+14.1% YoY
0.73%
+28.2% YoY
0.95%
+18.8% YoY
79%
Loan-to-Deposit Ratio ? 70.51%
+5.3% YoY +1.5% QoQ
-13.69% 84.20%
+0.3% YoY
92.37%
-0.3% YoY
76.70%
+0.9% YoY
83%
Non-Interest-Bearing Deposit Share ? 24.48%
+1.8% YoY +1.7% QoQ
+3.19% 21.29%
-2.5% YoY
15.85%
-3.7% YoY
22.01%
-1.2% YoY
70%
Nonperforming Asset Ratio ? 0.12%
+227.9% YoY +1.2% QoQ
-0.56% 0.67%
+15.6% YoY
0.58%
+29.6% YoY
0.67%
+19.3% YoY
83%
Tier 1 Capital Ratio ? 18.02%
+3.7% YoY +0.7% QoQ
+2.86% 15.16%
+2.0% YoY
14.58%
+1.9% YoY
17.06%
+0.8% YoY
Top 11.5% in tier
Non-Interest Income / Assets ? 0.06%
-0.7% YoY -82.4% QoQ
-0.20% 0.26%
+1.6% YoY
0.11%
+1.3% YoY
0.32%
+4.1% YoY
Bottom 11.7% in tier

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 (1)

Credit Quality Leader

growth
#8 of 220 • Top 3.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.20%
(Tier: 0.89%, National: 0.95%)
better than tier avg
220 of 220 Mid-Market banks match · 922 nationally
→ Stable +2 banks QoQ

Concerns (3)

Flatlined Growth

risk
#19 of 150 • Bottom 12.0% 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: 0.58%
(Tier: 1.37%, National: 1.23%)
worse than tier avg
150 of 150 Mid-Market banks match · 687 nationally
→ Stable +32 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#72 of 420 • Bottom 16.9% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#117 of 513 • Bottom 22.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.20%
(Tier: 0.89%, National: 0.95%)
better than tier avg
513 of 513 Mid-Market banks match · 1899 nationally
→ Stable +2 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).
Comparing against 884 peers in $1B-$10B

Top Strengths (7 metrics)

88
Total Assets
size
Value: $6.15B
Peer Median: $2.82B
#88 of 884 Top 9.8% in $1B-$10B
88
Total Deposits
size
Value: $5.21B
Peer Median: $2.34B
#88 of 884 Top 9.8% in $1B-$10B
103
Tier 1 Capital Ratio
capital
Value: 18.02%
Peer Median: 15.16%
#103 of 884 Top 11.5% in $1B-$10B
123
Total Loans
size
Value: $3.67B
Peer Median: $1.96B
#123 of 884 Top 13.8% in $1B-$10B
149
Nonperforming Asset Ratio
credit_quality
Value: 0.12%
Peer Median: 0.67%
#149 of 884 Top 16.7% in $1B-$10B
155
Loan-to-Deposit Ratio
liquidity
Value: 70.51%
Peer Median: 84.20%
#155 of 884 Top 17.4% in $1B-$10B
184
Delinquency Rate
credit_quality
Value: 0.20%
Peer Median: 0.89%
#184 of 880 Top 20.8% in $1B-$10B

Top Weaknesses (4 metrics)

824
Net Interest Margin
profitability
Value: 2.63%
Peer Median: 3.82%
#824 of 884 Bottom 6.9% in $1B-$10B
783
Return on Assets
profitability
Value: 0.58%
Peer Median: 1.37%
#783 of 884 Bottom 11.5% in $1B-$10B
782
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.26%
#782 of 884 Bottom 11.7% in $1B-$10B
730
Efficiency Ratio
profitability
Value: 73.46%
Peer Median: 61.06%
#730 of 884 Bottom 17.5% in $1B-$10B
Powered by BlastPoint © 2026