BlastPoint's Banking Scorecard
Cape Ann Savings Bank
Designations: ✓ Community bank ✓ Mutual
Gloucester, MA
4 branches across MA
Cape Ann Savings Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.13% below tier average
- + Delinquency Rate 0.44% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 4.6% in tier
- - Liquidity Strain: Bottom 12.3% in tier
- - Net Interest Margin 1.07% below tier average
- - Non-Interest-Bearing Deposit Share 12.83% below tier average
- - ROA 0.15% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+7.7% YoY
+1.5% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.9% in tier |
| Total Loans ? |
$717.8M
+3.9% YoY
-0.3% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.7% in tier |
| Total Deposits ? |
$793.5M
+10.0% YoY
+1.4% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.0% in tier |
| Return on Assets ? |
1.22%
+32.4% YoY
+11.8% QoQ
|
-0.15% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
49% |
| Net Interest Margin ? |
2.75%
+22.3% YoY
+12.0% QoQ
|
-1.07% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 9.3% in tier |
| Efficiency Ratio ? |
60.93%
-11.1% YoY
-6.6% QoQ
|
-0.13% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
46% |
| Delinquency Rate ? |
0.45%
-15.0% YoY
-17.9% QoQ
|
-0.44% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
90.45%
-5.6% YoY
-1.7% QoQ
|
+6.25% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
8.46%
+16.3% YoY
+17.1% QoQ
|
-12.83% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 8.6% in tier |
| Nonperforming Asset Ratio ? |
0.30%
-18.0% YoY
-19.4% QoQ
|
-0.37% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
63% |
| Tier 1 Capital Ratio ? |
27.63%
+3.3% YoY
+1.7% QoQ
|
+12.47% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
Top 2.9% in tier |
| Non-Interest Income / Assets ? |
0.12%
-2.4% YoY
-74.6% QoQ
|
-0.13% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
41% |
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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 (0)
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
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.