BlastPoint's Banking Scorecard
Bay State Savings Bank
Worcester, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
- Deposits +3.9% year over year ($513.7M on the books).
- Delinquency rate 0.47%.
- Return on assets 0.51%.
- Efficiency ratio 81.59% vs a 64.48% peer average.
- Loan-to-deposit ratio 94.49% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bay State Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 47.1% in tier
- - ROA 0.81% below tier average
- - Net Interest Margin 0.60% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$580.3M
+4.9% YoY
-0.9% QoQ
|
+$193.7M |
$386.6M
+1.2% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
79% |
| Total Loans ? |
$485.4M
+10.3% YoY
+3.8% QoQ
|
+$227.1M |
$258.3M
+1.7% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
Top 12.9% in tier |
| Total Deposits ? |
$513.7M
+3.9% YoY
-2.0% QoQ
|
+$187.0M |
$326.7M
+0.7% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
81% |
| Return on Assets ? |
0.51%
+75.0% YoY
+27.2% QoQ
|
-0.81% |
1.32%
+10.8% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
Bottom 12.6% in tier |
| Net Interest Margin ? |
3.38%
+18.3% YoY
+0.8% QoQ
|
-0.60% |
3.99%
+5.0% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
23% |
| Efficiency Ratio ? |
81.59%
-7.4% YoY
-1.6% QoQ
|
+17.11% |
64.48%
-3.2% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 12.0% in tier |
| Delinquency Rate ? |
0.47%
-3.0% YoY
-3.6% QoQ
|
-0.45% |
0.92%
+15.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
94.49%
+6.1% YoY
+5.9% QoQ
|
+16.54% |
77.95%
+1.0% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
21.94%
-7.2% YoY
-11.1% QoQ
|
-0.09% |
22.03%
-0.6% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.39%
-6.6% YoY
+0.9% QoQ
|
-0.28% |
0.67%
+16.4% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
11.24%
-4.4% YoY
-0.8% QoQ
|
-4.67% |
15.91%
+1.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.13%
-8.2% YoY
+118.9% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
28% |
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 |
21.9%
-1.7pp YoY -2.7pp QoQ |
-0.2pp | 22.1% | 16.2% | 22.2% | 54% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.1% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.1%
+2.0pp YoY 0.0pp QoQ |
-6.5pp | 11.6% | 6.5% | 12.5% | 20% |
| CRE |
37.9%
0.0pp YoY +0.8pp QoQ |
-1.6pp | 39.5% | 40.3% | 41.4% | 48% |
| 1-4 Family |
56.2%
-1.9pp YoY -0.7pp QoQ |
+23.6pp | 32.6% | 52.4% | 31.3% | 87% |
| Consumer |
1.1%
-0.2pp YoY -0.1pp QoQ |
-3.0pp | 4.1% | 1.6% | 5.0% | 30% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.2%
-0.5pp YoY -0.1pp QoQ |
-7.6pp | 18.8% | 16.6% | 19.7% | 10% |
| Leverage Ratio |
8.8%
0.0pp YoY +0.1pp QoQ |
-3.3pp | 12.2% | 11.5% | 12.6% | 10% |
| Total Capital Ratio |
12.3%
-0.6pp YoY -0.1pp QoQ |
-7.7pp | 19.9% | 17.5% | 20.8% | 9% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
84
+2 (+2.4%) YoY +2 (+2.4%) QoQ |
+25 | 58 | 755 | 482 | 79% |
| Assets per Employee ($) |
$6.9M
+2.4% YoY -3.2% QoQ |
-$610K | $7.5M | $10.7M | $8.8M | 50% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 13 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.5%
0.0pp YoY 0.0pp QoQ |
-0.5pp | 0.9% | 0.8% | 1.0% | 51% |
| Allowance Coverage |
1.89x
-7.9% YoY -0.2% QoQ |
-22.27x | 24.15x | 7.95x | 20.23x | 46% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 48% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.8%
+2.5pp YoY +1.2pp QoQ |
-6.4pp | 12.2% | 5.6% | 11.6% | 16% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 2.0% | 1.7% | 54% |
| Net Income ($, YTD) |
$1.5M
+83.7% YoY — QoQ |
-$1.1M | $2.6M | $31.7M | $40.4M | 41% |
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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.