BlastPoint's Banking Scorecard

Webster Five Cents Savings Bank

$1B-$10B Specialty: Commercial MA FDIC cert 90297

Designations: ✓ Community bank

Webster, MA

7 branches across MA

884 banks in the $1B-$10B peer group nationally 46 in MA

Webster Five Cents Savings Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 11.1% in tier
- Flatlined Growth: Bottom 22.0% in tier
- ROA 0.63% below tier average
- Net Interest Margin 0.22% below tier average
- Efficiency Ratio 10.51% above tier average
- Delinquency Rate 0.28% 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 ?	$1.3B +0.8% YoY +0.9% QoQ	-$1.5B	$2.8B -0.1% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	23%
Total Loans ?	$982.4M -1.3% YoY -0.3% QoQ	-$982.4M	$2.0B +0.6% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	30%
Total Deposits ?	$1.0B +2.3% YoY +1.9% QoQ	-$1.3B	$2.3B -0.3% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	16%
Return on Assets ?	0.73% +1.9% YoY +0.5% QoQ	-0.63%	1.37% +19.6% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	18%
Net Interest Margin ?	3.59% +11.6% YoY +3.3% QoQ	-0.22%	3.82% +6.9% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	47%
Efficiency Ratio ?	71.57% -4.6% YoY +1.6% QoQ	+10.51%	61.06% -4.6% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	21%
Delinquency Rate ?	1.17% +184.3% YoY +52.9% QoQ	+0.28%	0.89% +14.1% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	22%
Loan-to-Deposit Ratio ?	97.12% -3.6% YoY -2.2% QoQ	+12.91%	84.20% +0.3% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	22.03% +1.6% YoY -2.4% QoQ	+0.75%	21.29% -2.5% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	60%
Nonperforming Asset Ratio ?	0.87% +178.3% YoY +51.0% QoQ	+0.20%	0.67% +15.6% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	25%
Tier 1 Capital Ratio ?	12.34% +7.2% YoY +1.9% QoQ	-2.82%	15.16% +2.0% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.11% +11.1% YoY -76.2% QoQ	-0.15%	0.26% +1.6% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	37%

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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 (2)

Liquidity Strain

risk

#38 of 334 • Bottom 11.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 97.12%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#34 of 150 • Bottom 22.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.73%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

150 of 150 Mid-Market banks match · 687 nationally

→ Stable +32 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

746

Total Deposits

size

Value: $1.01B

Peer Median: $2.34B

#746 of 884 Bottom 15.7% in $1B-$10B

725

Return on Assets

profitability

Value: 0.73%

Peer Median: 1.37%

#725 of 884 Bottom 18.1% in $1B-$10B

712

Loan-to-Deposit Ratio

liquidity

Value: 97.12%

Peer Median: 84.20%

#712 of 884 Bottom 19.6% in $1B-$10B

703

Efficiency Ratio

profitability

Value: 71.57%

Peer Median: 61.06%

#703 of 884 Bottom 20.6% in $1B-$10B

684

Delinquency Rate

credit_quality

Value: 1.17%

Peer Median: 0.89%

#684 of 880 Bottom 22.4% in $1B-$10B

678

Total Assets

size

Value: $1.31B

Peer Median: $2.82B

#678 of 884 Bottom 23.4% in $1B-$10B

666

Nonperforming Asset Ratio

credit_quality

Value: 0.87%

Peer Median: 0.67%

#666 of 884 Bottom 24.8% in $1B-$10B