BlastPoint's Banking Scorecard

Pentucket Bank

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

Designations: ✓ Community bank

Haverhill, MA

6 branches across MA · NH

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 +2.2% year over year ($877.9M on the books).
Delinquency rate 0.80%.
Return on assets 0.74%.
Efficiency ratio 84.38% vs a 59.73% peer average.
Loan-to-deposit ratio 101.42% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $1B-$10B leaderboard (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 0.07% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 7.0% in tier
- Liquidity Strain: Bottom 49.9% in tier
- Net Interest Margin 1.10% below tier average
- Efficiency Ratio 24.65% above tier average
- ROA 0.65% below tier average

Get updates when Pentucket Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$1.1B +3.4% YoY +0.8% QoQ	-$1.7B	$2.8B -0.6% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	Bottom 11.6% in tier
Total Loans ?	$890.4M +3.7% YoY +0.2% QoQ	-$1.1B	$2.0B -0.3% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	23%
Total Deposits ?	$877.9M +2.2% YoY -0.0% QoQ	-$1.4B	$2.3B -0.5% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	Bottom 5.2% in tier
Return on Assets ?	0.74% +167.3% YoY +98.7% QoQ	-0.65%	1.39% +17.0% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	16%
Net Interest Margin ?	2.77% +11.2% YoY +2.2% QoQ	-1.10%	3.87% +6.2% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 7.9% in tier
Efficiency Ratio ?	84.38% -8.1% YoY -5.6% QoQ	+24.65%	59.73% -12.6% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	Bottom 3.5% in tier
Delinquency Rate ?	0.80% +2.7% YoY +6.4% QoQ	-0.07%	0.87% +11.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	36%
Loan-to-Deposit Ratio ?	101.42% +1.5% YoY +0.2% QoQ	+16.38%	85.04% -0.1% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	Bottom 11.8% in tier
Non-Interest-Bearing Deposit Share ?	14.45% -0.1% YoY +6.0% QoQ	-6.82%	21.27% -1.5% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	25%
Nonperforming Asset Ratio ?	0.63% +2.9% YoY +5.7% QoQ	-0.04%	0.67% +11.7% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	35%
Tier 1 Capital Ratio ?	11.67% +2.9% YoY +2.0% QoQ	-3.17%	14.84% -0.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.16% +15.2% YoY +121.7% QoQ	-0.37%	0.53% +2.5% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	20%

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	14.5% 0.0pp YoY +0.8pp QoQ	-6.9pp	21.4%	16.2%	22.2%	25%
Brokered Deposits	4.6% -0.2pp YoY 0.0pp QoQ	-4.9pp	9.5%	6.1%	8.5%	46%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	6.3% -0.1pp YoY -0.1pp QoQ	-7.7pp	14.0%	6.5%	12.5%	25%
CRE	46.3% +0.9pp YoY -0.1pp QoQ	-3.7pp	50.0%	40.3%	41.4%	40%
1-4 Family	47.0% -1.7pp YoY +0.2pp QoQ	+20.6pp	26.4%	52.4%	31.3%	88%
Consumer	0.3% 0.0pp YoY 0.0pp QoQ	-4.4pp	4.7%	1.6%	5.0%	25%

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	11.7% +0.3pp YoY +0.2pp QoQ	+0.4pp	11.3%	11.5%	12.6%	72%
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	116 +7 (+6.4%) YoY +9 (+8.4%) QoQ	-198	313	755	482	12%
Assets per Employee ($)	$9.7M -2.8% YoY -7.0% QoQ	-$816K	$10.5M	$10.7M	$8.8M	62%
Branch Count	6 0 YoY 0 QoQ	-14	20	13	18	14%

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	0.8% 0.0pp YoY 0.0pp QoQ	0.0pp	0.8%	0.8%	1.0%	65%
Allowance Coverage	1.33x +9.7% YoY -5.9% QoQ	-17.38x	18.71x	7.95x	20.23x	34%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	48%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	7.0% +4.3pp YoY +3.5pp QoQ	-5.6pp	12.6%	5.6%	11.6%	16%
Cost of Funds (YTD)	2.2% -0.2pp YoY 0.0pp QoQ	+0.3pp	1.9%	2.0%	1.7%	70%
Net Income ($, YTD)	$4.1M +176.0% YoY — QoQ	-$15.1M	$19.2M	$31.7M	$40.4M	7%

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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)

Credit Risk Growth

risk

#29 of 402 • Bottom 7.0% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ

Liquidity Strain

risk

#181 of 361 • Bottom 49.9% 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: 101.42%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

855

Efficiency Ratio

profitability

Value: 84.38%

Peer Median: 59.73%

#855 of 885 Bottom 3.5% in $1B-$10B

840

Total Deposits

size

Value: $877.93M

Peer Median: $2.32B

#840 of 885 Bottom 5.2% in $1B-$10B

816

Net Interest Margin

profitability

Value: 2.77%

Peer Median: 3.87%

#816 of 885 Bottom 7.9% in $1B-$10B

783

Total Assets

size

Value: $1.12B

Peer Median: $2.79B

#783 of 885 Bottom 11.6% in $1B-$10B

782

Loan-to-Deposit Ratio

liquidity

Value: 101.42%

Peer Median: 85.04%

#782 of 885 Bottom 11.8% in $1B-$10B

748

Return on Assets

profitability

Value: 0.74%

Peer Median: 1.39%

#748 of 885 Bottom 15.6% in $1B-$10B

705

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.53%

#705 of 885 Bottom 20.5% in $1B-$10B

682

Total Loans

size

Value: $890.36M

Peer Median: $1.96B

#682 of 885 Bottom 23.1% in $1B-$10B