BlastPoint's Banking Scorecard

Washington Savings Bank

$100M-$1B Specialty: Commercial MA FDIC cert 90229

Designations: ✓ Mutual

Lowell, MA

2 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
Deposits +7.7% year over year ($249.3M on the books).
Delinquency rate 0.30%.
Return on assets 0.23%.
Efficiency ratio 90.15% vs a 64.48% peer average.
Loan-to-deposit ratio 94.35% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 39 in MA

View $100M-$1B leaderboard (MA) →

Washington Savings 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 0.62% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 9.7% in tier
- Liquidity Overhang: Bottom 31.7% in tier
- Return on Assets 1.09% below tier average
- Net Interest Margin 1.33% below tier average
- Efficiency Ratio 25.67% above tier average

Get updates when Washington Savings 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 ?	$302.3M +1.7% YoY +1.2% QoQ	-$84.2M	$386.6M +1.2% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	46%
Total Loans ?	$235.2M -0.9% YoY -0.5% QoQ	-$23.2M	$258.3M +1.7% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	56%
Total Deposits ?	$249.3M +7.7% YoY +2.6% QoQ	-$77.5M	$326.7M +0.7% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	45%
Return on Assets ?	0.23% +215.9% YoY +39.1% QoQ	-1.09%	1.32% +10.8% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 6.1% in tier
Net Interest Margin ?	2.66% +13.3% YoY +2.0% QoQ	-1.33%	3.99% +5.0% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 4.3% in tier
Efficiency Ratio ?	90.15% -6.1% YoY -2.7% QoQ	+25.67%	64.48% -3.2% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	Bottom 5.7% in tier
Delinquency Rate ?	0.30% -23.0% YoY -13.0% QoQ	-0.62%	0.92% +15.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	58%
Loan-to-Deposit Ratio ?	94.35% -7.9% YoY -3.0% QoQ	+16.40%	77.95% +1.0% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	17%
Non-Interest-Bearing Deposit Share ?	12.68% +4.9% YoY +6.6% QoQ	-9.35%	22.03% -0.6% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	16%
Nonperforming Asset Ratio ?	0.23% -25.0% YoY -14.5% QoQ	-0.44%	0.67% +16.4% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	58%
Tier 1 Capital Ratio ?	16.92% +2.1% YoY +0.4% QoQ	+1.01%	15.91% +1.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.16% +8.3% YoY +105.3% QoQ	-0.41%	0.57% +7.6% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	37%

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	12.7% +0.6pp YoY +0.8pp QoQ	-9.5pp	22.1%	16.2%	22.2%	16%
Brokered Deposits	3.7% -1.2pp YoY -1.3pp QoQ	-4.1pp	7.9%	6.1%	8.5%	44%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	0.1% 0.0pp YoY 0.0pp QoQ	-11.5pp	11.6%	6.5%	12.5%	0%
CRE	32.2% +1.0pp YoY +0.1pp QoQ	-7.4pp	39.5%	40.3%	41.4%	39%
1-4 Family	68.1% -0.9pp YoY -0.1pp QoQ	+35.5pp	32.6%	52.4%	31.3%	94%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	1.6%	5.0%	7%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	16.9% +0.3pp YoY +0.1pp QoQ	-1.9pp	18.8%	16.6%	19.7%	63%
Leverage Ratio	9.6% 0.0pp YoY +0.1pp QoQ	-2.5pp	12.2%	11.5%	12.6%	24%
Total Capital Ratio	17.9% +0.3pp YoY +0.1pp QoQ	-2.1pp	19.9%	17.5%	20.8%	62%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	41 +1 (+2.5%) YoY 0 QoQ	-18	58	755	482	42%
Assets per Employee ($)	$7.4M -0.8% YoY +1.2% QoQ	-$144K	$7.5M	$10.7M	$8.8M	59%
Branch Count	2 0 YoY 0 QoQ	-3	4	13	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.3% -0.1pp YoY 0.0pp QoQ	-0.6pp	0.9%	0.8%	1.0%	38%
Allowance Coverage	2.22x +30.9% YoY +15.6% QoQ	-21.93x	24.15x	7.95x	20.23x	50%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	30%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	2.4% +1.6pp YoY +0.6pp QoQ	-9.8pp	12.2%	5.6%	11.6%	7%
Cost of Funds (YTD)	2.1% -0.1pp YoY 0.0pp QoQ	+0.3pp	1.7%	2.0%	1.7%	73%
Net Income ($, YTD)	$345,000 +225.5% YoY — QoQ	-$2.2M	$2.6M	$31.7M	$40.4M	7%

Get Full Access to Washington Savings Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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)

Liquidity Strain

risk

#68 of 691 • Bottom 9.7% 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: 94.35%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#236 of 742 • Bottom 31.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.92%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 94.35%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

623

Tier 1 Capital Ratio

capital

Value: 16.92%

Peer Median: 15.91%

#623 of 2643 Top 23.5% in $100M-$1B

Top Weaknesses (5 metrics)

2530

Net Interest Margin

profitability

Value: 2.66%

Peer Median: 3.99%

#2530 of 2643 Bottom 4.3% in $100M-$1B

2493

Efficiency Ratio

profitability

Value: 90.15%

Peer Median: 64.48%

#2493 of 2643 Bottom 5.7% in $100M-$1B

2482

Return on Assets

profitability

Value: 0.23%

Peer Median: 1.32%

#2482 of 2643 Bottom 6.1% in $100M-$1B

2213

Non-Interest-Bearing Deposit Share

funding

Value: 12.68%

Peer Median: 22.03%

#2213 of 2643 Bottom 16.3% in $100M-$1B

2186

Loan-to-Deposit Ratio

liquidity

Value: 94.35%

Peer Median: 77.95%

#2186 of 2643 Bottom 17.3% in $100M-$1B