BlastPoint's Banking Scorecard

Marblehead Bank

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

Designations: ✓ Mutual

Marblehead, MA

3 branches across MA

2664 banks in the $100M-$1B peer group nationally 39 in MA

Marblehead Bank has 1 strength but faces 8 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 0.37% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 12.8% in tier
- Credit Risk Growth: Bottom 18.4% in tier
- Liquidity Overhang: Bottom 32.8% in tier
- Efficiency Drag: Bottom 35.5% in tier
- Deposit Outflow: Bottom 39.3% in tier
- Credit Quality Pressure: Bottom 49.2% in tier
- Capital Constraint: Bottom 56.5% in tier
- ROA 0.83% below 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 ?	$263.0M -2.5% YoY -1.4% QoQ	-$123.0M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	40%
Total Loans ?	$211.2M +1.7% YoY +1.0% QoQ	-$44.5M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	51%
Total Deposits ?	$230.2M -3.5% YoY -1.8% QoQ	-$97.8M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	41%
Return on Assets ?	0.44% -7.7% YoY +9.3% QoQ	-0.83%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 11.9% in tier
Net Interest Margin ?	3.94% +1.9% YoY +0.6% QoQ	+0.01%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	53%
Efficiency Ratio ?	87.18% +1.7% YoY +0.7% QoQ	+21.90%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	Bottom 8.4% in tier
Delinquency Rate ?	0.52% +332.6% YoY +135.8% QoQ	-0.37%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	45%
Loan-to-Deposit Ratio ?	91.76% +5.4% YoY +2.9% QoQ	+15.12%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	16.90% -0.1% YoY -3.5% QoQ	-5.12%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	31%
Nonperforming Asset Ratio ?	0.41% +351.3% YoY +141.5% QoQ	-0.22%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	42%
Tier 1 Capital Ratio ?	16.99% +2.7% YoY +1.6% QoQ	+1.16%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.08% -19.2% YoY -75.9% QoQ	-0.20%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	41%

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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 (7)

Liquidity Strain

risk

#83 of 643 • Bottom 12.8% 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: 91.76%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Credit Risk Growth

risk

#180 of 973 • Bottom 18.4% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Liquidity Overhang

risk

#243 of 739 • Bottom 32.8% 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: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 91.76%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#148 of 414 • Bottom 35.5% in tier

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

Why this signature

Efficiency Ratio: 87.18%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Deposit Outflow

decline

#200 of 506 • Bottom 39.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Credit Quality Pressure

risk

#644 of 1308 • Bottom 49.2% in tier

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

Why this signature

Delinquency Rate: 0.52%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Capital Constraint

risk

#62 of 108 • Bottom 56.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 91.76%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 16.99%

(Tier: 15.83%, National: 17.06%)

better than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

615

Tier 1 Capital Ratio

capital

Value: 16.99%

Peer Median: 15.83%

#615 of 2664 Top 23.0% in $100M-$1B

Top Weaknesses (3 metrics)

2441

Efficiency Ratio

profitability

Value: 87.18%

Peer Median: 65.29%

#2441 of 2664 Bottom 8.4% in $100M-$1B

2349

Return on Assets

profitability

Value: 0.44%

Peer Median: 1.27%

#2349 of 2664 Bottom 11.9% in $100M-$1B

2106

Loan-to-Deposit Ratio

liquidity

Value: 91.76%

Peer Median: 76.64%

#2106 of 2664 Bottom 21.0% in $100M-$1B