BlastPoint's Banking Scorecard
Bristol County Savings Bank
Community
Specialty: Commercial
MA
FDIC cert 23622
Taunton, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Bristol County Savings Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 17% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.1B
+4.9% YoY
+1.9% QoQ
|
+$1.8B |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$2.6B
+8.8% YoY
+3.6% QoQ
|
+$1.7B |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$2.6B
+1.9% YoY
-0.5% QoQ
|
+$1.4B |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
0.65%
+42.9% YoY
+6.5% QoQ
|
-0.51% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
3.28%
+22.7% YoY
+1.4% QoQ
|
-0.38% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
74.43%
-5.4% YoY
+0.3% QoQ
|
+11.80% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
0.65%
-7.3% YoY
+5.1% QoQ
|
+0.02% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
102.23%
+6.8% YoY
+4.2% QoQ
|
+19.17% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.60%
+1.8% YoY
+4.9% QoQ
|
-5.45% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.54%
-3.8% YoY
+6.9% QoQ
|
+0.04% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
17.81%
-2.9% YoY
-2.2% QoQ
|
+7.56% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.61%
+2.7% YoY
+41.6% QoQ
|
-0.13% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Overhang
risk
#47 of 268 · Bottom 17% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.81%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
102.23%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
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
95
95th pctile
Total Loans
Current: $2.6B · Tier avg: $975.5M
92
92th pctile
Total Assets
Current: $3.1B · Tier avg: $1.4B
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
88
88th pctile
Tier 1 Capital Ratio
Current: 17.81% · Tier avg: 10.24%
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
38
38th pctile
Delinquency Rate
Current: 0.65% · Tier avg: 0.63%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
29
29th pctile
Net Interest Margin
Current: 3.28% · Tier avg: 3.66%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.60% · Tier avg: 21.05%
18
18th pctile
Efficiency Ratio
Current: 74.43% · Tier avg: 62.63%
17
17th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.16%
10
10th pctile
Loan-to-Deposit Ratio
Current: 102.23% · Tier avg: 83.06%
Top Weaknesses
10
10th pctile
Loan-to-Deposit Ratio
Current: 102.23% · Tier avg: 83.06%
17
17th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.16%
18
18th pctile
Efficiency Ratio
Current: 74.43% · Tier avg: 62.63%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.60% · Tier avg: 21.05%
29
29th pctile
Net Interest Margin
Current: 3.28% · Tier avg: 3.66%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
38
38th pctile
Delinquency Rate
Current: 0.65% · Tier avg: 0.63%
62
62th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.74%
88
88th pctile
Tier 1 Capital Ratio
Current: 17.81% · Tier avg: 10.24%
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
92
92th pctile
Total Assets
Current: $3.1B · Tier avg: $1.4B
95
95th pctile
Total Loans
Current: $2.6B · Tier avg: $975.5M