BlastPoint's Banking Scorecard

The Savings Bank

$100M-$1B Specialty: Mortgage MA FDIC cert 90291

Wakefield, MA

9 branches across MA

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

The 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

- Capital Thin: Bottom 22.7% in tier
- Return on Assets 1.15% below tier average
- Net Interest Margin 1.33% below tier average
- Efficiency Ratio 30.98% 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 ?	$864.0M +3.7% YoY -1.1% QoQ	+$478.0M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	Top 5.1% in tier
Total Loans ?	$612.0M +1.3% YoY -1.6% QoQ	+$356.3M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	Top 5.5% in tier
Total Deposits ?	$757.5M +3.0% YoY -1.2% QoQ	+$429.5M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	Top 4.3% in tier
Return on Assets ?	0.12% -9.2% YoY -25.2% QoQ	-1.15%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 5.1% in tier
Net Interest Margin ?	2.60% +8.6% YoY +1.0% QoQ	-1.33%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Bottom 4.1% in tier
Efficiency Ratio ?	96.27% -3.7% YoY +3.1% QoQ	+30.98%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	Bottom 3.3% in tier
Delinquency Rate ?	0.22% -89.9% YoY +49.2% QoQ	-0.66%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	63%
Loan-to-Deposit Ratio ?	80.79% -1.7% YoY -0.4% QoQ	+4.16%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	45%
Non-Interest-Bearing Deposit Share ?	17.11% -12.5% YoY -6.5% QoQ	-4.91%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	32%
Nonperforming Asset Ratio ?	0.93% -41.4% YoY +6.8% QoQ	+0.30%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	22%
Tier 1 Capital Ratio ?	9.60% -1.4% YoY -0.7% QoQ	-6.23%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	Bottom 5.6% in tier
Non-Interest Income / Assets ?	0.18% +9.0% YoY -72.8% QoQ	-0.10%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	82%

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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 (1)

Capital Thin

risk

#152 of 666 • Bottom 22.7% 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: 9.60%

(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 (4 metrics)

115

Total Deposits

size

Value: $757.47M

Peer Median: $327.97M

#115 of 2664 Top 4.3% in $100M-$1B

138

Total Assets

size

Value: $864.04M

Peer Median: $386.08M

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

147

Total Loans

size

Value: $611.99M

Peer Median: $255.72M

#147 of 2664 Top 5.5% in $100M-$1B

489

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#489 of 2664 Top 18.3% in $100M-$1B

Top Weaknesses (5 metrics)

2577

Efficiency Ratio

profitability

Value: 96.27%

Peer Median: 65.29%

#2577 of 2664 Bottom 3.3% in $100M-$1B

2557

Net Interest Margin

profitability

Value: 2.60%

Peer Median: 3.93%

#2557 of 2664 Bottom 4.1% in $100M-$1B

2529

Return on Assets

profitability

Value: 0.12%

Peer Median: 1.27%

#2529 of 2664 Bottom 5.1% in $100M-$1B

2517

Tier 1 Capital Ratio

capital

Value: 9.60%

Peer Median: 15.83%

#2517 of 2664 Bottom 5.6% in $100M-$1B

2092

Nonperforming Asset Ratio

credit_quality

Value: 0.93%

Peer Median: 0.64%

#2092 of 2664 Bottom 21.5% in $100M-$1B