BlastPoint's Banking Scorecard

Pentucket Bank

$1B-$10B Specialty: Commercial MA FDIC cert 90208

Designations: ✓ Community bank

Haverhill, MA

6 branches across MA · NH

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

Pentucket 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 0.14% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 38.9% in tier
- Liquidity Strain: Bottom 47.6% in tier
- Return on Assets 0.99% below tier average
- Net Interest Margin 1.10% below tier average
- Efficiency Ratio 28.33% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$1.1B +3.0% YoY -0.0% QoQ	-$1.7B	$2.8B -0.1% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	Bottom 10.4% in tier
Total Loans ?	$888.7M +3.7% YoY -0.0% QoQ	-$1.1B	$2.0B +0.6% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	23%
Total Deposits ?	$877.9M +2.5% YoY -0.3% QoQ	-$1.5B	$2.3B -0.3% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	Bottom 5.0% in tier
Return on Assets ?	0.37% +857.0% YoY +6.3% QoQ	-0.99%	1.37% +19.6% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 6.9% in tier
Net Interest Margin ?	2.71% +13.1% YoY +4.4% QoQ	-1.10%	3.82% +6.9% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Bottom 8.3% in tier
Efficiency Ratio ?	89.39% -6.2% YoY -0.3% QoQ	+28.33%	61.06% -4.6% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	Bottom 3.3% in tier
Delinquency Rate ?	0.75% -15.4% YoY +4.7% QoQ	-0.14%	0.89% +14.1% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	38%
Loan-to-Deposit Ratio ?	101.22% +1.2% YoY +0.2% QoQ	+17.02%	84.20% +0.3% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	Bottom 11.1% in tier
Non-Interest-Bearing Deposit Share ?	13.63% -7.8% YoY -2.2% QoQ	-7.66%	21.29% -2.5% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	23%
Nonperforming Asset Ratio ?	0.60% -14.8% YoY +4.7% QoQ	-0.08%	0.67% +15.6% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	37%
Tier 1 Capital Ratio ?	11.44% +1.2% YoY +1.4% QoQ	-3.72%	15.16% +2.0% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.07% +11.0% YoY -75.8% QoQ	-0.19%	0.26% +1.6% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	18%

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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)

Capital Thin

risk

#87 of 221 • Bottom 38.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.44%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Liquidity Strain

risk

#160 of 334 • Bottom 47.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 101.22%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 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 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (10 metrics)

856

Efficiency Ratio

profitability

Value: 89.39%

Peer Median: 61.06%

#856 of 884 Bottom 3.3% in $1B-$10B

841

Total Deposits

size

Value: $877.94M

Peer Median: $2.34B

#841 of 884 Bottom 5.0% in $1B-$10B

824

Return on Assets

profitability

Value: 0.37%

Peer Median: 1.37%

#824 of 884 Bottom 6.9% in $1B-$10B

812

Net Interest Margin

profitability

Value: 2.71%

Peer Median: 3.82%

#812 of 884 Bottom 8.3% in $1B-$10B

793

Total Assets

size

Value: $1.11B

Peer Median: $2.82B

#793 of 884 Bottom 10.4% in $1B-$10B

787

Loan-to-Deposit Ratio

liquidity

Value: 101.22%

Peer Median: 84.20%

#787 of 884 Bottom 11.1% in $1B-$10B

723

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.26%

#723 of 884 Bottom 18.3% in $1B-$10B

685

Tier 1 Capital Ratio

capital

Value: 11.44%

Peer Median: 15.16%

#685 of 884 Bottom 22.6% in $1B-$10B

685

Non-Interest-Bearing Deposit Share

funding

Value: 13.63%

Peer Median: 21.29%

#685 of 884 Bottom 22.6% in $1B-$10B

679

Total Loans

size

Value: $888.69M

Peer Median: $1.96B

#679 of 884 Bottom 23.3% in $1B-$10B