BlastPoint's Banking Scorecard

Monson Savings Bank

$100M-$1B Specialty: Commercial MA FDIC cert 90245

Monson, MA

6 branches across MA

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

Monson Savings Bank has 1 strength but faces 3 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 0.79% below tier average

Key Concerns

Areas that may need attention

- ROA 0.34% below tier average
- Net Interest Margin 0.53% below tier average
- Efficiency Ratio 2.11% 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 ?	$814.0M +9.8% YoY +8.0% QoQ	+$427.9M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	Top 7.5% in tier
Total Loans ?	$632.9M +11.5% YoY +1.6% QoQ	+$377.2M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	Top 4.8% in tier
Total Deposits ?	$733.3M +9.8% YoY +12.5% QoQ	+$405.4M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	Top 5.1% in tier
Return on Assets ?	0.93% +41.3% YoY +9.4% QoQ	-0.34%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	34%
Net Interest Margin ?	3.40% +10.5% YoY +1.1% QoQ	-0.53%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	26%
Efficiency Ratio ?	67.40% -9.6% YoY -0.7% QoQ	+2.11%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	38%
Delinquency Rate ?	0.10% -6.1% YoY +26.8% QoQ	-0.79%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	74%
Loan-to-Deposit Ratio ?	86.30% +1.6% YoY -9.7% QoQ	+9.67%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	32%
Non-Interest-Bearing Deposit Share ?	19.50% -6.6% YoY -4.0% QoQ	-2.52%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	43%
Nonperforming Asset Ratio ?	0.08% -4.6% YoY +19.2% QoQ	-0.56%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	74%
Tier 1 Capital Ratio ?	9.79% +3.1% YoY -1.4% QoQ	-6.04%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	Bottom 7.0% in tier
Non-Interest Income / Assets ?	0.12% -0.2% YoY -78.5% QoQ	-0.16%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	62%

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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 (0)

No matched concern signatures this quarter

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 (3 metrics)

128

Total Loans

size

Value: $632.90M

Peer Median: $255.72M

#128 of 2664 Top 4.8% in $100M-$1B

138

Total Deposits

size

Value: $733.34M

Peer Median: $327.97M

#138 of 2664 Top 5.1% in $100M-$1B

202

Total Assets

size

Value: $813.96M

Peer Median: $386.08M

#202 of 2664 Top 7.5% in $100M-$1B

Top Weaknesses (1 metrics)

2478

Tier 1 Capital Ratio

capital

Value: 9.79%

Peer Median: 15.83%

#2478 of 2664 Bottom 7.0% in $100M-$1B