BlastPoint's Banking Scorecard
Fall River Five Cents Savings Bank
Community
Specialty: Commercial
MA
FDIC cert 23286
Fall River, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Fall River Five Cents Savings Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 7% in Community
- - Efficiency Drag: Bottom 40% in Community
- - Liquidity Strain: Bottom 48% in Community
- - Return on Assets 0.86% below tier
- - Net Interest Margin 1.42% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+0.8% YoY
+0.5% QoQ
|
+$498.0M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$1.4B
+0.3% YoY
-1.1% QoQ
|
+$469.8M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$1.4B
+1.0% YoY
+0.7% QoQ
|
+$198.3M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
0.30%
+44.8% YoY
-1.1% QoQ
|
-0.86% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.24%
+5.4% YoY
+2.4% QoQ
|
-1.42% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
84.21%
-3.7% YoY
-2.6% QoQ
|
+21.58% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.65%
+226.7% YoY
+75.5% QoQ
|
+0.03% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
106.04%
-0.7% YoY
-1.8% QoQ
|
+22.98% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.48%
+5.3% YoY
-2.5% QoQ
|
-2.56% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.50%
+166.7% YoY
+72.7% QoQ
|
0 |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
11.41%
-0.2% YoY
+2.2% QoQ
|
+1.17% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.69%
+14.4% YoY
+33.7% QoQ
|
-0.05% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Flatlined Growth
risk
#19 of 245 · Bottom 7% in Community
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:
0.30%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#61 of 152 · Bottom 40% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
84.21%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
Liquidity Strain
risk
#247 of 513 · Bottom 48% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
106.04%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.30%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Community
Why this stands out
Current:
2.24%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
80
80th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
77
77th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
73
73th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.48% · Tier avg: 21.05%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.41% · Tier avg: 10.24%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
38
38th pctile
Delinquency Rate
Current: 0.65% · Tier avg: 0.63%
7
7th pctile
Efficiency Ratio
Current: 84.21% · Tier avg: 62.63%
6
6th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.16%
6
6th pctile
Loan-to-Deposit Ratio
Current: 106.04% · Tier avg: 83.06%
3
3th pctile
Net Interest Margin
Current: 2.24% · Tier avg: 3.66%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.24% · Tier avg: 3.66%
6
6th pctile
Loan-to-Deposit Ratio
Current: 106.04% · Tier avg: 83.06%
6
6th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.16%
7
7th pctile
Efficiency Ratio
Current: 84.21% · Tier avg: 62.63%
38
38th pctile
Delinquency Rate
Current: 0.65% · Tier avg: 0.63%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.41% · Tier avg: 10.24%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.48% · Tier avg: 21.05%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
73
73th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
77
77th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
80
80th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M