BlastPoint's Banking Scorecard
Florence Bank
Community
Specialty: Other
MA
FDIC cert 23293
Florence, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Florence Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 29% in Community
- - Net Interest Margin 0.95% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+2.4% YoY
+2.7% QoQ
|
+$616.4M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$1.2B
+4.3% YoY
+1.8% QoQ
|
+$257.6M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$1.8B
+3.5% YoY
+3.8% QoQ
|
+$589.2M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
0.62%
+16.4% YoY
-6.2% QoQ
|
-0.55% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
2.72%
+17.5% YoY
+0.3% QoQ
|
-0.95% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
70.43%
-3.7% YoY
+2.1% QoQ
|
+7.80% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.21%
-29.5% YoY
-17.8% QoQ
|
-0.42% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
70.31%
+0.8% YoY
-1.9% QoQ
|
-12.75% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
25.72%
-2.6% YoY
-1.3% QoQ
|
+4.67% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.13%
-28.2% YoY
-18.5% QoQ
|
-0.37% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.39%
-1.3% YoY
+30.1% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Capital Thin
risk
#127 of 432 · Bottom 29% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Bottom 10%
in Community
Why this stands out
Current:
2.72%
(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
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
80
80th pctile
Loan-to-Deposit Ratio
Current: 70.31% · Tier avg: 83.06%
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
73
73th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.72% · Tier avg: 21.05%
68
68th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Efficiency Ratio
Current: 70.43% · Tier avg: 62.63%
16
16th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.16%
10
10th pctile
Net Interest Margin
Current: 2.72% · Tier avg: 3.66%
Top Weaknesses
10
10th pctile
Net Interest Margin
Current: 2.72% · Tier avg: 3.66%
16
16th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.16%
26
26th pctile
Efficiency Ratio
Current: 70.43% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
68
68th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.72% · Tier avg: 21.05%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
80
80th pctile
Loan-to-Deposit Ratio
Current: 70.31% · Tier avg: 83.06%
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B