BlastPoint's Banking Scorecard
Cornerstone Bank
Spencer, MA
17 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 +45.2% year over year ($1.9B on the books).
- Delinquency rate 0.35%.
- Return on assets 0.63%.
- Efficiency ratio 81.02% vs a 59.73% peer average.
- Loan-to-deposit ratio 99.39% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Cornerstone Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.52% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 65.0% in tier
- - ROA 0.76% below tier average
- - Net Interest Margin 0.41% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+49.0% YoY
+7.4% QoQ
|
-$218.9M |
$2.8B
-0.6% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
63% |
| Total Loans ? |
$1.9B
+38.5% YoY
+3.7% QoQ
|
-$37.6M |
$2.0B
-0.3% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
66% |
| Total Deposits ? |
$1.9B
+45.2% YoY
-0.6% QoQ
|
-$381.4M |
$2.3B
-0.5% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
57% |
| Return on Assets ? |
0.63%
+87.8% YoY
-17.9% QoQ
|
-0.76% |
1.39%
+17.0% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
Bottom 11.0% in tier |
| Net Interest Margin ? |
3.46%
+42.1% YoY
-3.5% QoQ
|
-0.41% |
3.87%
+6.2% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
35% |
| Efficiency Ratio ? |
81.02%
-11.5% YoY
+0.9% QoQ
|
+21.30% |
59.73%
-12.6% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 6.2% in tier |
| Delinquency Rate ? |
0.35%
-31.4% YoY
-3.4% QoQ
|
-0.52% |
0.87%
+11.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
99.39%
-4.6% YoY
+4.4% QoQ
|
+14.36% |
85.04%
-0.1% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
17.31%
+24.5% YoY
+28.4% QoQ
|
-3.96% |
21.27%
-1.5% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.26%
-36.3% YoY
-6.8% QoQ
|
-0.41% |
0.67%
+11.7% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
11.84%
-6.6% YoY
-5.3% QoQ
|
-3.00% |
14.84%
-0.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.31%
-32.7% YoY
+76.0% QoQ
|
-0.21% |
0.53%
+2.5% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
56% |
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 |
17.3%
+3.4pp YoY +3.8pp QoQ |
-4.1pp | 21.4% | 16.2% | 22.2% | 36% |
| Brokered Deposits |
0.3%
-1.0pp YoY +0.3pp QoQ |
-9.2pp | 9.5% | 6.1% | 8.5% | 8% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.7%
+0.1pp YoY -0.1pp QoQ |
-9.3pp | 14.0% | 6.5% | 12.5% | 17% |
| CRE |
36.9%
-3.5pp YoY +0.3pp QoQ |
-13.1pp | 50.0% | 40.3% | 41.4% | 18% |
| 1-4 Family |
52.7%
+0.2pp YoY +0.3pp QoQ |
+26.2pp | 26.4% | 52.4% | 31.3% | 91% |
| Consumer |
6.1%
+2.8pp YoY -0.6pp QoQ |
+1.4pp | 4.7% | 1.6% | 5.0% | 84% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.8%
-0.8pp YoY -0.7pp QoQ |
-3.8pp | 15.6% | 16.6% | 19.7% | 20% |
| Leverage Ratio |
9.2%
-0.4pp YoY 0.0pp QoQ |
-2.1pp | 11.3% | 11.5% | 12.6% | 17% |
| Total Capital Ratio |
12.3%
-1.3pp YoY -0.7pp QoQ |
-4.4pp | 16.7% | 17.5% | 20.8% | 13% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
242
+41 (+20.4%) YoY 0 QoQ |
-72 | 313 | 755 | 482 | 52% |
| Assets per Employee ($) |
$10.6M
+23.8% YoY +7.4% QoQ |
+$156K | $10.5M | $10.7M | $8.8M | 70% |
| Branch Count |
17
+5 (+41.7%) YoY 0 QoQ |
-3 | 20 | 13 | 18 | 57% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.4% | 47% |
| Nonaccrual |
0.3%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 0.8% | 0.8% | 1.0% | 33% |
| Allowance Coverage |
1.29x
-20.0% YoY +2.1% QoQ |
-17.42x | 18.71x | 7.95x | 20.23x | 32% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 49% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.0%
+3.2pp YoY -1.4pp QoQ |
-5.6pp | 12.6% | 5.6% | 11.6% | 15% |
| Cost of Funds (YTD) |
2.1%
-0.2pp YoY -0.2pp QoQ |
+0.2pp | 1.9% | 2.0% | 1.7% | 68% |
| Net Income ($, YTD) |
$7.2M
+149.5% YoY — QoQ |
-$12.1M | $19.2M | $31.7M | $40.4M | 24% |
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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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.