BlastPoint's Banking Scorecard
North Easton Savings Bank
Designations: ✓ Community bank
South Easton, MA
14 branches across MA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
- Deposits +4.6% year over year ($1.6B on the books).
- Delinquency rate 1.65%.
- Return on assets 0.76%.
- Efficiency ratio 70.92% vs a 59.73% peer average.
- Loan-to-deposit ratio 81.91% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
North Easton Savings Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.63% below tier average
- - Net Interest Margin 0.77% below tier average
- - Efficiency Ratio 11.19% above tier average
- - Delinquency Rate 0.78% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+7.0% YoY
+0.6% QoQ
|
-$948.5M |
$2.8B
-0.6% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$1.3B
+1.9% YoY
-1.5% QoQ
|
-$645.3M |
$2.0B
-0.3% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
48% |
| Total Deposits ? |
$1.6B
+4.6% YoY
+0.1% QoQ
|
-$709.7M |
$2.3B
-0.5% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
48% |
| Return on Assets ? |
0.76%
+11.9% YoY
+7.0% QoQ
|
-0.63% |
1.39%
+17.0% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
17% |
| Net Interest Margin ? |
3.10%
+7.9% YoY
+3.2% QoQ
|
-0.77% |
3.87%
+6.2% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
70.92%
-4.6% YoY
-3.7% QoQ
|
+11.19% |
59.73%
-12.6% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
19% |
| Delinquency Rate ? |
1.65%
+252.2% YoY
+115.8% QoQ
|
+0.78% |
0.87%
+11.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.5% in tier |
| Loan-to-Deposit Ratio ? |
81.91%
-2.6% YoY
-1.7% QoQ
|
-3.13% |
85.04%
-0.1% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
15.21%
+0.7% YoY
-4.4% QoQ
|
-6.06% |
21.27%
-1.5% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
28% |
| Nonperforming Asset Ratio ? |
1.18%
+235.3% YoY
+111.2% QoQ
|
+0.50% |
0.67%
+11.7% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
16.22%
+26.4% YoY
+0.6% QoQ
|
+1.38% |
14.84%
-0.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.30%
-7.7% YoY
+100.9% QoQ
|
-0.22% |
0.53%
+2.5% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
53% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.2%
+0.1pp YoY -0.7pp QoQ |
-6.2pp | 21.4% | 16.2% | 22.2% | 28% |
| Brokered Deposits |
1.2%
-2.9pp YoY -0.4pp QoQ |
-8.3pp | 9.5% | 6.1% | 8.5% | 20% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.0%
+1.1pp YoY -0.1pp QoQ |
0.0pp | 14.0% | 6.5% | 12.5% | 64% |
| CRE |
35.5%
+1.8pp YoY -0.1pp QoQ |
-14.5pp | 50.0% | 40.3% | 41.4% | 16% |
| 1-4 Family |
47.6%
-2.7pp YoY 0.0pp QoQ |
+21.2pp | 26.4% | 52.4% | 31.3% | 88% |
| Consumer |
3.5%
0.0pp YoY +0.3pp QoQ |
-1.2pp | 4.7% | 1.6% | 5.0% | 76% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.2%
+3.4pp YoY +0.1pp QoQ |
+0.6pp | 15.6% | 16.6% | 19.7% | 79% |
| Leverage Ratio |
11.2%
+2.3pp YoY -0.3pp QoQ |
-0.1pp | 11.3% | 11.5% | 12.6% | 64% |
| Total Capital Ratio |
16.8%
+3.4pp YoY +0.1pp QoQ |
+0.1pp | 16.7% | 17.5% | 20.8% | 75% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
204
+9 (+4.6%) YoY +17 (+9.1%) QoQ |
-110 | 313 | 755 | 482 | 42% |
| Assets per Employee ($) |
$9.0M
+2.3% YoY -7.8% QoQ |
-$1.4M | $10.5M | $10.7M | $8.8M | 54% |
| Branch Count |
14
-1 (-6.7%) YoY 0 QoQ |
-6 | 20 | 13 | 18 | 46% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY -0.1pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.4% | 61% |
| Nonaccrual |
1.6%
+1.2pp YoY +1.0pp QoQ |
+0.8pp | 0.8% | 0.8% | 1.0% | 88% |
| Allowance Coverage |
0.32x
-67.4% YoY -51.5% QoQ |
-18.39x | 18.71x | 7.95x | 20.23x | 2% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY +0.1pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 47% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.1%
-0.5pp YoY +0.3pp QoQ |
-5.5pp | 12.6% | 5.6% | 11.6% | 16% |
| Cost of Funds (YTD) |
1.7%
-0.3pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 2.0% | 1.7% | 38% |
| Net Income ($, YTD) |
$6.9M
+18.1% YoY — QoQ |
-$12.3M | $19.2M | $31.7M | $40.4M | 22% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.