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Marblehead Bank

$100M-$1B Specialty: Mortgage MA FDIC cert 90234

Designations: ✓ Mutual

Marblehead, MA

3 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 +1.7% year over year ($229.4M on the books).
  • Delinquency rate 0.30%.
  • Return on assets 0.44%.
  • Efficiency ratio 86.28% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.17% 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) →

Marblehead 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 7.8% in tier
  • - Credit Quality Pressure: Bottom 31.9% in tier
  • - Liquidity Overhang: Bottom 34.1% in tier
  • - Efficiency Drag: Bottom 48.8% in tier
  • - ROA 0.88% below tier average
Get updates when Marblehead 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 ? $262.5M
+2.2% YoY -0.2% QoQ
-$124.1M $386.6M
+1.2% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
39%
Total Loans ? $211.4M
-0.0% YoY +0.1% QoQ
-$46.9M $258.3M
+1.7% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
51%
Total Deposits ? $229.4M
+1.7% YoY -0.3% QoQ
-$97.4M $326.7M
+0.7% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
41%
Return on Assets ? 0.44%
+18.5% YoY -0.0% QoQ
-0.88% 1.32%
+10.8% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
Bottom 10.8% in tier
Net Interest Margin ? 3.99%
+2.0% YoY +1.2% QoQ
+0.00% 3.99%
+5.0% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
53%
Efficiency Ratio ? 86.28%
-0.7% YoY -1.0% QoQ
+21.80% 64.48%
-3.2% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
Bottom 8.1% in tier
Delinquency Rate ? 0.30%
+185.1% YoY -42.0% QoQ
-0.62% 0.92%
+15.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
57%
Loan-to-Deposit Ratio ? 92.17%
-1.7% YoY +0.4% QoQ
+14.22% 77.95%
+1.0% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
22%
Non-Interest-Bearing Deposit Share ? 16.59%
-8.3% YoY -1.8% QoQ
-5.44% 22.03%
-0.6% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
31%
Nonperforming Asset Ratio ? 0.24%
+179.1% YoY -41.9% QoQ
-0.43% 0.67%
+16.4% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
57%
Tier 1 Capital Ratio ? 16.99%
+4.5% YoY -0.0% QoQ
+1.08% 15.91%
+1.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
77%
Non-Interest Income / Assets ? 0.17%
-14.0% YoY +98.6% QoQ
-0.40% 0.57%
+7.6% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
39%

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 16.6%
-1.5pp YoY
-0.3pp QoQ
 -5.6pp 22.1% 16.2% 22.2% 30%
Brokered Deposits n/a n/a 7.9% 6.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 0.5%
0.0pp YoY
+0.2pp QoQ
 -11.0pp 11.6% 6.5% 12.5% 2%
CRE 17.6%
-1.9pp YoY
+1.0pp QoQ
 -21.9pp 39.5% 40.3% 41.4% 14%
1-4 Family 82.1%
+2.0pp YoY
-1.1pp QoQ
 +49.5pp 32.6% 52.4% 31.3% 97%
Consumer 0.3%
-0.1pp YoY
-0.1pp QoQ
 -3.8pp 4.1% 1.6% 5.0% 12%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 17.0%
+0.7pp YoY
0.0pp QoQ
 -1.8pp 18.8% 16.6% 19.7% 64%
Leverage Ratio 10.1%
+0.2pp YoY
-0.1pp QoQ
 -2.1pp 12.2% 11.5% 12.6% 34%
Total Capital Ratio 17.8%
+0.7pp YoY
0.0pp 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 47
0 YoY
+2 (+4.4%) QoQ
 -12 58 755 482 49%
Assets per Employee ($) $5.6M
+2.2% YoY
-4.5% QoQ
 -$1.9M $7.5M $10.7M $8.8M 24%
Branch Count 3
0 YoY
0 QoQ
 -2 4 13 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days 0.3%
-0.2pp QoQ
 0.0pp 0.3% 0.1% 0.4% 74%
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage 2.02x
-65.0% YoY
+77.2% QoQ
 -22.13x 24.15x 7.95x 20.23x 48%
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 4.4%
+0.5pp YoY
0.0pp QoQ
 -7.8pp 12.2% 5.6% 11.6% 12%
Cost of Funds (YTD) 0.8%
0.0pp YoY
0.0pp QoQ
 -0.9pp 1.7% 2.0% 1.7% 6%
Net Income ($, YTD) $584,000
+19.2% YoY
— QoQ
 -$2.0M $2.6M $31.7M $40.4M 13%

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 (4)

Liquidity Strain

risk
#55 of 691 • Bottom 7.8% 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: 92.17%
(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

Credit Quality Pressure

risk
#402 of 1256 • Bottom 31.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.30%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#254 of 742 • Bottom 34.1% 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: 16.99%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 92.17%
(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

Efficiency Drag

risk
#177 of 361 • Bottom 48.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 86.28%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

613
Tier 1 Capital Ratio
capital
Value: 16.99%
Peer Median: 15.91%
#613 of 2643 Top 23.2% in $100M-$1B

Top Weaknesses (3 metrics)

2429
Efficiency Ratio
profitability
Value: 86.28%
Peer Median: 64.48%
#2429 of 2643 Bottom 8.1% in $100M-$1B
2359
Return on Assets
profitability
Value: 0.44%
Peer Median: 1.32%
#2359 of 2643 Bottom 10.8% in $100M-$1B
2069
Loan-to-Deposit Ratio
liquidity
Value: 92.17%
Peer Median: 77.95%
#2069 of 2643 Bottom 21.8% in $100M-$1B
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