BlastPoint's Banking Scorecard
Washington Savings Bank
Designations: ✓ Mutual
Lowell, MA
2 branches across MA
Washington Savings Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.55% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15.1% in tier
- - Liquidity Strain: Bottom 22.5% in tier
- - Liquidity Overhang: Bottom 26.2% in tier
- - Return on Assets 1.11% below tier average
- - Net Interest Margin 1.32% below tier average
- - Efficiency Ratio 27.38% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$298.7M
+1.9% YoY
-2.4% QoQ
|
-$87.4M |
$386.1M
+0.5% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
46% |
| Total Loans ? |
$236.5M
+0.3% YoY
-0.9% QoQ
|
-$19.3M |
$255.7M
+1.1% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$243.0M
+6.1% YoY
+1.0% QoQ
|
-$85.0M |
$328.0M
+0.1% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
43% |
| Return on Assets ? |
0.16%
+378.2% YoY
+17.0% QoQ
|
-1.11% |
1.27%
+12.9% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 6.0% in tier |
| Net Interest Margin ? |
2.61%
+13.4% YoY
+6.9% QoQ
|
-1.32% |
3.93%
+6.0% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 4.4% in tier |
| Efficiency Ratio ? |
92.67%
-5.4% YoY
-0.1% QoQ
|
+27.38% |
65.29%
-4.5% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 4.9% in tier |
| Delinquency Rate ? |
0.34%
+2.1% YoY
+5.8% QoQ
|
-0.55% |
0.89%
+18.8% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
97.31%
-5.4% YoY
-1.9% QoQ
|
+20.67% |
76.64%
+0.8% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 12.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.90%
-9.2% YoY
-1.3% QoQ
|
-10.12% |
22.02%
-1.0% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.6% in tier |
| Nonperforming Asset Ratio ? |
0.27%
+0.6% YoY
+7.4% QoQ
|
-0.37% |
0.64%
+19.7% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
53% |
| Tier 1 Capital Ratio ? |
16.85%
+1.1% YoY
+1.7% QoQ
|
+1.02% |
15.83%
+1.5% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.08%
+6.5% YoY
-73.7% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
37% |
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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 (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.