BlastPoint's Banking Scorecard
Martha's Vineyard Bank
Designations: ✓ Community bank
Edgartown, MA
10 branches across MA
Martha's Vineyard Bank has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 26.8% in tier
- + Nonperforming Asset Ratio 0.62% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.6% in tier
- - Flatlined Growth: Bottom 16.0% in tier
- - Liquidity Strain: Bottom 40.7% in tier
- - ROA 0.72% below tier average
- - Net Interest Margin 0.72% below tier average
- - Efficiency Ratio 14.84% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+0.5% YoY
+1.1% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$6.7B
+9.3% YoY
|
$6.2B
+9.0% YoY
|
23% |
| Total Loans ? |
$1.1B
-0.7% YoY
-0.1% QoQ
|
-$856.9M |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.7% YoY
|
38% |
| Total Deposits ? |
$1.0B
+1.4% YoY
+0.5% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.0% YoY
|
18% |
| Return on Assets ? |
0.65%
+25.7% YoY
-1.9% QoQ
|
-0.72% |
1.37%
+19.6% YoY
|
0.55%
+41.3% YoY
|
1.24%
+13.1% YoY
|
Bottom 14.2% in tier |
| Net Interest Margin ? |
3.10%
+20.0% YoY
+7.3% QoQ
|
-0.72% |
3.82%
+6.9% YoY
|
3.01%
+9.6% YoY
|
3.89%
+5.7% YoY
|
21% |
| Efficiency Ratio ? |
75.89%
-2.3% YoY
+1.8% QoQ
|
+14.84% |
61.05%
-4.6% YoY
|
80.10%
-2.5% YoY
|
66.84%
-3.8% YoY
|
Bottom 13.3% in tier |
| Delinquency Rate ? |
0.07%
+735.7% YoY
-1.2% QoQ
|
-0.82% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
Top 8.9% in tier |
| Loan-to-Deposit Ratio ? |
106.33%
-2.1% YoY
-0.6% QoQ
|
+22.12% |
84.20%
+0.3% YoY
|
91.35%
-0.3% YoY
|
76.69%
+0.9% YoY
|
Bottom 6.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.62%
+4.7% YoY
-1.1% QoQ
|
+3.33% |
21.28%
-2.5% YoY
|
15.67%
-3.7% YoY
|
22.01%
-1.1% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.06%
+725.7% YoY
-2.3% QoQ
|
-0.62% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.66%
+19.3% YoY
|
Top 9.4% in tier |
| Tier 1 Capital Ratio ? |
11.86%
+5.8% YoY
+2.7% QoQ
|
-3.31% |
15.17%
+2.0% YoY
|
15.05%
+1.8% YoY
|
17.06%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.13%
+5.7% YoY
-76.8% QoQ
|
-0.13% |
0.26%
+1.6% YoY
|
0.28%
+1.4% YoY
|
0.32%
+4.0% YoY
|
45% |
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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 (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.