BlastPoint's Banking Scorecard
Martha's Vineyard Bank
Designations: ✓ Community bank
Edgartown, MA
10 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 +1.0% year over year ($1.1B on the books).
- Delinquency rate 0.09%.
- Return on assets 0.65%.
- Efficiency ratio 75.21% vs a 59.73% peer average.
- Loan-to-deposit ratio 104.71% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Martha's Vineyard Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 27.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.3% in tier
- - Flatlined Growth: Bottom 20.4% in tier
- - Liquidity Strain: Bottom 37.7% in tier
- - ROA 0.74% below tier average
- - Net Interest Margin 0.74% below tier average
- - Efficiency Ratio 15.48% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+1.0% YoY
+2.4% QoQ
|
-$1.5B |
$2.8B
-0.6% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
24% |
| Total Loans ? |
$1.1B
-0.5% YoY
+0.8% QoQ
|
-$844.8M |
$2.0B
-0.3% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
38% |
| Total Deposits ? |
$1.1B
+1.0% YoY
+2.4% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
20% |
| Return on Assets ? |
0.65%
+24.9% YoY
+1.0% QoQ
|
-0.74% |
1.39%
+17.0% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
Bottom 11.9% in tier |
| Net Interest Margin ? |
3.14%
+18.1% YoY
+1.2% QoQ
|
-0.74% |
3.87%
+6.2% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
20% |
| Efficiency Ratio ? |
75.21%
-1.9% YoY
-0.9% QoQ
|
+15.48% |
59.73%
-12.6% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 12.1% in tier |
| Delinquency Rate ? |
0.09%
+99.3% YoY
+26.9% QoQ
|
-0.78% |
0.87%
+11.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
Top 10.5% in tier |
| Loan-to-Deposit Ratio ? |
104.71%
-1.4% YoY
-1.5% QoQ
|
+19.68% |
85.04%
-0.1% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 7.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.70%
+4.8% YoY
+4.4% QoQ
|
+4.42% |
21.27%
-1.5% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.07%
+96.3% YoY
+25.0% QoQ
|
-0.60% |
0.67%
+11.7% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
Top 11.6% in tier |
| Tier 1 Capital Ratio ? |
11.75%
+4.2% YoY
-0.9% QoQ
|
-3.09% |
14.84%
-0.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.28%
+14.0% YoY
+116.3% QoQ
|
-0.25% |
0.53%
+2.5% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
48% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
25.7%
+1.2pp YoY +1.1pp QoQ |
+4.3pp | 21.4% | 16.2% | 22.2% | 73% |
| Brokered Deposits |
0.0%
0.0pp YoY 0.0pp QoQ |
-9.5pp | 9.5% | 6.1% | 8.5% | 1% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.6%
-0.7pp YoY -0.2pp QoQ |
-12.4pp | 14.0% | 6.5% | 12.5% | 4% |
| CRE |
25.9%
+0.1pp YoY 0.0pp QoQ |
-24.1pp | 50.0% | 40.3% | 41.4% | 9% |
| 1-4 Family |
72.4%
+0.2pp YoY -0.1pp QoQ |
+46.0pp | 26.4% | 52.4% | 31.3% | 97% |
| Consumer |
0.4%
-0.1pp YoY +0.1pp QoQ |
-4.3pp | 4.7% | 1.6% | 5.0% | 30% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 16.6% | 19.7% | n/a |
| Leverage Ratio |
11.8%
+0.5pp YoY -0.1pp QoQ |
+0.4pp | 11.3% | 11.5% | 12.6% | 74% |
| Total Capital Ratio | n/a | n/a | 16.7% | 17.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
122
+4 (+3.4%) YoY +4 (+3.4%) QoQ |
-192 | 313 | 755 | 482 | 14% |
| Assets per Employee ($) |
$10.9M
-2.3% YoY -1.0% QoQ |
+$404K | $10.5M | $10.7M | $8.8M | 71% |
| Branch Count |
10
0 YoY 0 QoQ |
-10 | 20 | 13 | 18 | 29% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 0.8% | 0.8% | 1.0% | 9% |
| Allowance Coverage |
9.23x
-49.1% YoY -20.8% QoQ |
-9.48x | 18.71x | 7.95x | 20.23x | 87% |
| Net Charge-off Rate (YTD) | 0.0% | -0.3pp | 0.3% | 0.1% | 0.2% | 20% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.9%
+0.8pp YoY +0.1pp QoQ |
-6.7pp | 12.6% | 5.6% | 11.6% | 12% |
| Cost of Funds (YTD) |
1.5%
-0.3pp YoY 0.0pp QoQ |
-0.5pp | 1.9% | 2.0% | 1.7% | 20% |
| Net Income ($, YTD) |
$4.3M
+24.7% YoY — QoQ |
-$15.0M | $19.2M | $31.7M | $40.4M | 8% |
Get Full Access to Martha's Vineyard 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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.