BlastPoint's Banking Scorecard

Main Street Bank

$1B-$10B Specialty: Commercial MA FDIC cert 90235

Designations: ✓ Community bank

Marlborough, MA

6 branches across MA

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

Main Street Bank faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 2.4% in tier
- Flatlined Growth: Bottom 2.7% in tier
- Liquidity Overhang: Bottom 37.9% in tier
- Return on Assets 0.84% below tier average
- Non-Interest Income / Assets 0.21% below tier average
- Net Interest Margin 0.81% below tier average
- Efficiency Ratio 16.37% above tier average
- Delinquency Rate 0.79% above 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 ?	$1.6B -1.0% YoY -3.5% QoQ	-$1.2B	$2.8B -0.1% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	39%
Total Loans ?	$1.3B -4.5% YoY -1.4% QoQ	-$695.4M	$2.0B +0.6% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	45%
Total Deposits ?	$1.3B -1.9% YoY +1.7% QoQ	-$998.8M	$2.3B -0.3% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	38%
Return on Assets ?	0.53% -25.3% YoY -16.7% QoQ	-0.84%	1.37% +19.6% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 10.0% in tier
Net Interest Margin ?	3.01% +8.5% YoY +3.6% QoQ	-0.81%	3.82% +6.9% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	18%
Efficiency Ratio ?	77.43% +3.6% YoY +7.5% QoQ	+16.37%	61.06% -4.6% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	Bottom 11.3% in tier
Delinquency Rate ?	1.68% +98.4% YoY +85.7% QoQ	+0.79%	0.89% +14.1% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	Bottom 12.0% in tier
Loan-to-Deposit Ratio ?	94.41% -2.6% YoY -3.0% QoQ	+10.21%	84.20% +0.3% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	26%
Non-Interest-Bearing Deposit Share ?	19.32% +6.8% YoY +6.8% QoQ	-1.97%	21.29% -2.5% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	48%
Nonperforming Asset Ratio ?	1.32% +91.4% YoY +89.8% QoQ	+0.65%	0.67% +15.6% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	Bottom 13.2% in tier
Tier 1 Capital Ratio ?	16.51% +9.8% YoY +1.6% QoQ	+1.35%	15.16% +2.0% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.05% +0.6% YoY -71.8% QoQ	-0.21%	0.26% +1.6% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	Bottom 9.3% in tier

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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 (3)

Liquidity Strain

risk

#9 of 334 • Bottom 2.4% 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: 94.41%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#5 of 150 • Bottom 2.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.53%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

150 of 150 Mid-Market banks match · 687 nationally

→ Stable +32 banks QoQ

Liquidity Overhang

risk

#67 of 174 • Bottom 37.9% 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: 16.51%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 94.41%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 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 884 peers in $1B-$10B

Top Strengths (1 metrics)

144

Tier 1 Capital Ratio

capital

Value: 16.51%

Peer Median: 15.16%

#144 of 884 Top 16.2% in $1B-$10B

Top Weaknesses (6 metrics)

803

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.26%

#803 of 884 Bottom 9.3% in $1B-$10B

797

Return on Assets

profitability

Value: 0.53%

Peer Median: 1.37%

#797 of 884 Bottom 10.0% in $1B-$10B

785

Efficiency Ratio

profitability

Value: 77.43%

Peer Median: 61.06%

#785 of 884 Bottom 11.3% in $1B-$10B

775

Delinquency Rate

credit_quality

Value: 1.68%

Peer Median: 0.89%

#775 of 880 Bottom 12.0% in $1B-$10B

768

Nonperforming Asset Ratio

credit_quality

Value: 1.32%

Peer Median: 0.67%

#768 of 884 Bottom 13.2% in $1B-$10B

730

Net Interest Margin

profitability

Value: 3.01%

Peer Median: 3.82%

#730 of 884 Bottom 17.5% in $1B-$10B