BlastPoint's Banking Scorecard
Bay State Savings Bank
Worcester, MA
7 branches across MA
Bay State 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
- - Credit Quality Pressure: Bottom 21.5% in tier
- - Credit Risk Growth: Bottom 33.5% in tier
- - Efficiency Drag: Bottom 39.4% in tier
- - ROA 0.87% below tier average
- - Net Interest Margin 0.57% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$585.4M
+7.0% YoY
+2.4% QoQ
|
+$199.3M |
$386.1M
+0.5% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
79% |
| Total Loans ? |
$467.7M
+9.4% YoY
+0.5% QoQ
|
+$211.9M |
$255.7M
+1.1% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
Top 14.1% in tier |
| Total Deposits ? |
$524.0M
+7.3% YoY
+2.7% QoQ
|
+$196.0M |
$328.0M
+0.1% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
82% |
| Return on Assets ? |
0.40%
+55.5% YoY
+8.1% QoQ
|
-0.87% |
1.27%
+12.9% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.7% in tier |
| Net Interest Margin ? |
3.36%
+18.8% YoY
+13.0% QoQ
|
-0.57% |
3.93%
+6.0% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
24% |
| Efficiency Ratio ? |
82.90%
-6.6% YoY
-4.6% QoQ
|
+17.62% |
65.29%
-4.5% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.2% in tier |
| Delinquency Rate ? |
0.49%
+2.9% YoY
+26.0% QoQ
|
-0.40% |
0.89%
+18.8% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
89.24%
+1.9% YoY
-2.1% QoQ
|
+12.61% |
76.64%
+0.8% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
24.67%
+4.5% YoY
+9.3% QoQ
|
+2.65% |
22.02%
-1.0% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.39%
-3.9% YoY
+23.7% QoQ
|
-0.25% |
0.64%
+19.7% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
11.32%
-12.3% YoY
-0.1% QoQ
|
-4.51% |
15.83%
+1.5% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.06%
-7.1% YoY
-80.4% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
25% |
Get Full Access to Bay State Savings Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.