BlastPoint's Banking Scorecard
Webster Five Cents Savings Bank
Designations: ✓ Community bank
Webster, MA
7 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 -0.0% year over year ($1.0B on the books).
- Delinquency rate 0.47%.
- Return on assets 0.87%.
- Efficiency ratio 69.70% vs a 59.73% peer average.
- Loan-to-deposit ratio 97.01% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Webster Five Cents Savings Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.40% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.9% in tier
- - Flatlined Growth: Bottom 14.2% in tier
- - ROA 0.52% below tier average
- - Net Interest Margin 0.16% below tier average
- - Efficiency Ratio 9.97% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
-0.9% YoY
-0.2% QoQ
|
-$1.5B |
$2.8B
-0.6% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
23% |
| Total Loans ? |
$970.9M
-3.4% YoY
-1.2% QoQ
|
-$992.3M |
$2.0B
-0.3% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
30% |
| Total Deposits ? |
$1.0B
-0.0% YoY
-1.1% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
16% |
| Return on Assets ? |
0.87%
+19.6% YoY
+18.2% QoQ
|
-0.52% |
1.39%
+17.0% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
3.71%
+11.4% YoY
+3.3% QoQ
|
-0.16% |
3.87%
+6.2% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
50% |
| Efficiency Ratio ? |
69.70%
-4.9% YoY
-2.6% QoQ
|
+9.97% |
59.73%
-12.6% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
0.47%
-51.1% YoY
-59.9% QoQ
|
-0.40% |
0.87%
+11.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
97.01%
-3.4% YoY
-0.1% QoQ
|
+11.97% |
85.04%
-0.1% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
23.92%
+10.8% YoY
+8.6% QoQ
|
+2.65% |
21.27%
-1.5% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.35%
-52.3% YoY
-60.3% QoQ
|
-0.33% |
0.67%
+11.7% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
12.52%
+8.4% YoY
+1.5% QoQ
|
-2.32% |
14.84%
-0.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.24%
+12.4% YoY
+111.9% QoQ
|
-0.29% |
0.53%
+2.5% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
38% |
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 |
23.9%
+2.3pp YoY +1.9pp QoQ |
+2.6pp | 21.4% | 16.2% | 22.2% | 67% |
| Brokered Deposits |
2.0%
-1.0pp YoY 0.0pp QoQ |
-7.5pp | 9.5% | 6.1% | 8.5% | 27% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.7%
-0.6pp YoY +0.3pp QoQ |
-8.3pp | 14.0% | 6.5% | 12.5% | 21% |
| CRE |
70.8%
-0.2pp YoY -0.8pp QoQ |
+20.8pp | 50.0% | 40.3% | 41.4% | 89% |
| 1-4 Family |
23.4%
+1.4pp YoY +0.5pp QoQ |
-3.0pp | 26.4% | 52.4% | 31.3% | 50% |
| Consumer |
0.2%
0.0pp YoY 0.0pp QoQ |
-4.5pp | 4.7% | 1.6% | 5.0% | 19% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 16.6% | 19.7% | n/a |
| Leverage Ratio |
12.5%
+1.0pp YoY +0.2pp QoQ |
+1.2pp | 11.3% | 11.5% | 12.6% | 81% |
| Total Capital Ratio | n/a | n/a | 16.7% | 17.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
149
+3 (+2.1%) YoY +8 (+5.7%) QoQ |
-165 | 313 | 755 | 482 | 22% |
| Assets per Employee ($) |
$8.8M
-2.9% YoY -5.6% QoQ |
-$1.7M | $10.5M | $10.7M | $8.8M | 51% |
| Branch Count |
7
0 YoY 0 QoQ |
-13 | 20 | 13 | 18 | 17% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.5pp YoY -0.1pp QoQ |
-0.4pp | 0.8% | 0.8% | 1.0% | 46% |
| Allowance Coverage |
1.72x
+76.0% YoY +141.7% QoQ |
-16.99x | 18.71x | 7.95x | 20.23x | 43% |
| Net Charge-off Rate (YTD) |
0.5%
+0.6pp YoY -0.4pp QoQ |
+0.2pp | 0.3% | 0.1% | 0.2% | 92% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.3%
+0.6pp YoY +1.1pp QoQ |
-5.2pp | 12.6% | 5.6% | 11.6% | 17% |
| Cost of Funds (YTD) |
1.6%
-0.4pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 2.0% | 1.7% | 29% |
| Net Income ($, YTD) |
$5.7M
+19.6% YoY — QoQ |
-$13.6M | $19.2M | $31.7M | $40.4M | 15% |
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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 (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.