BlastPoint's Banking Scorecard

North Brookfield Savings Bank

$100M-$1B Specialty: Commercial MA FDIC cert 90258

North Brookfield, MA

7 branches across MA

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

North Brookfield Savings Bank has 1 strength but faces 4 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 0.66% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 31.6% in tier
- Capital Thin: Bottom 40.7% in tier
- Net Interest Margin 1.02% below tier average
- ROA 0.78% below tier average

Get updates when North Brookfield Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$439.9M +2.6% YoY -0.5% QoQ	+$53.9M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	66%
Total Loans ?	$292.0M +3.4% YoY -0.5% QoQ	+$36.3M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	66%
Total Deposits ?	$374.4M -0.0% YoY +1.0% QoQ	+$46.4M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	66%
Return on Assets ?	0.49% +51.1% YoY +3.0% QoQ	-0.78%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 12.8% in tier
Net Interest Margin ?	2.91% +11.4% YoY +3.4% QoQ	-1.02%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Bottom 8.9% in tier
Efficiency Ratio ?	80.61% -5.8% YoY +1.3% QoQ	+15.32%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	Bottom 14.7% in tier
Delinquency Rate ?	0.22% -28.3% YoY +48.0% QoQ	-0.66%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	63%
Loan-to-Deposit Ratio ?	78.00% +3.4% YoY -1.5% QoQ	+1.36%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	50%
Non-Interest-Bearing Deposit Share ?	18.42% +8.9% YoY +3.4% QoQ	-3.60%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	38%
Nonperforming Asset Ratio ?	0.15% -42.9% YoY +48.0% QoQ	-0.49%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	65%
Tier 1 Capital Ratio ?	10.84% +0.5% YoY +1.1% QoQ	-4.99%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.13% -12.5% YoY -74.9% QoQ	-0.15%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	66%

Get Full Access to North Brookfield Savings Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Efficiency Drag

risk

#132 of 414 • Bottom 31.6% in tier

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

Why this signature

Efficiency Ratio: 80.61%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Capital Thin

risk

#272 of 666 • Bottom 40.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.84%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2429

Net Interest Margin

profitability

Value: 2.91%

Peer Median: 3.93%

#2429 of 2664 Bottom 8.9% in $100M-$1B

2324

Return on Assets

profitability

Value: 0.49%

Peer Median: 1.27%

#2324 of 2664 Bottom 12.8% in $100M-$1B

2273

Efficiency Ratio

profitability

Value: 80.61%

Peer Median: 65.29%

#2273 of 2664 Bottom 14.7% in $100M-$1B

2100

Tier 1 Capital Ratio

capital

Value: 10.84%

Peer Median: 15.83%

#2100 of 2664 Bottom 21.2% in $100M-$1B