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North Easton Savings Bank

$1B-$10B Specialty: Commercial MA FDIC cert 90259

Designations: ✓ Community bank

South Easton, MA

14 branches across MA

884 banks in the $1B-$10B peer group nationally 46 in MA
View $1B-$10B leaderboard (MA) →

North Easton 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 0.13% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 29.8% in tier
  • - ROA 0.65% below tier average
  • - Net Interest Margin 0.82% below tier average
  • - Efficiency Ratio 12.56% above tier average
Get updates when North Easton 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 ? $1.8B
+6.0% YoY +4.3% QoQ
-$981.3M $2.8B
-0.1% YoY
$6.8B
+9.3% YoY
$6.2B
+9.1% YoY
46%
Total Loans ? $1.3B
+4.6% YoY +1.0% QoQ
-$626.2M $2.0B
+0.6% YoY
$2.4B
+16.6% YoY
$3.2B
+10.8% YoY
49%
Total Deposits ? $1.6B
+3.5% YoY +4.4% QoQ
-$736.3M $2.3B
-0.3% YoY
$5.3B
+11.5% YoY
$4.8B
+8.2% YoY
48%
Return on Assets ? 0.71%
+17.1% YoY +5.1% QoQ
-0.65% 1.37%
+19.6% YoY
0.49%
+59.0% YoY
1.23%
+13.4% YoY
17%
Net Interest Margin ? 3.00%
+6.1% YoY +1.9% QoQ
-0.82% 3.82%
+6.9% YoY
3.03%
+10.0% YoY
3.89%
+5.7% YoY
17%
Efficiency Ratio ? 73.62%
-1.3% YoY -2.0% QoQ
+12.56% 61.06%
-4.6% YoY
80.02%
-2.5% YoY
66.95%
-4.1% YoY
17%
Delinquency Rate ? 0.76%
+50.1% YoY +6.3% QoQ
-0.13% 0.89%
+14.1% YoY
0.73%
+28.2% YoY
0.95%
+18.8% YoY
37%
Loan-to-Deposit Ratio ? 83.30%
+1.1% YoY -3.2% QoQ
-0.91% 84.20%
+0.3% YoY
92.37%
-0.3% YoY
76.70%
+0.9% YoY
59%
Non-Interest-Bearing Deposit Share ? 15.91%
+3.0% YoY +1.2% QoQ
-5.38% 21.29%
-2.5% YoY
15.85%
-3.7% YoY
22.01%
-1.2% YoY
32%
Nonperforming Asset Ratio ? 0.56%
+48.1% YoY +3.0% QoQ
-0.12% 0.67%
+15.6% YoY
0.58%
+29.6% YoY
0.67%
+19.3% YoY
40%
Tier 1 Capital Ratio ? 16.11%
+25.9% YoY +23.8% QoQ
+0.95% 15.16%
+2.0% YoY
14.58%
+1.9% YoY
17.06%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.15%
+3.0% YoY -77.6% QoQ
-0.11% 0.26%
+1.6% YoY
0.11%
+1.3% YoY
0.32%
+4.1% YoY
54%

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 (1)

Credit Risk Growth

risk
#126 of 420 • Bottom 29.8% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 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 884 peers in $1B-$10B

Top Strengths (1 metrics)

162
Tier 1 Capital Ratio
capital
Value: 16.11%
Peer Median: 15.16%
#162 of 884 Top 18.2% in $1B-$10B

Top Weaknesses (3 metrics)

737
Efficiency Ratio
profitability
Value: 73.62%
Peer Median: 61.06%
#737 of 884 Bottom 16.7% in $1B-$10B
732
Net Interest Margin
profitability
Value: 3.00%
Peer Median: 3.82%
#732 of 884 Bottom 17.3% in $1B-$10B
731
Return on Assets
profitability
Value: 0.71%
Peer Median: 1.37%
#731 of 884 Bottom 17.4% in $1B-$10B
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