BlastPoint's Banking Scorecard
Country Bank for Savings
Community
Specialty: Commercial
MA
FDIC cert 23992
Designations: ✓ Mutual
Ware, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Country Bank for Savings 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
- - Loan-to-Deposit Ratio 19.33% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+11.1% YoY
+0.5% QoQ
|
+$811.0M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$1.7B
+14.0% YoY
+0.6% QoQ
|
+$732.3M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
85% |
| Total Deposits ? |
$1.7B
+15.2% YoY
+2.2% QoQ
|
+$503.3M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
0.60%
+32.1% YoY
+4.8% QoQ
|
-0.56% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
15% |
| Net Interest Margin ? |
3.20%
+10.7% YoY
+1.5% QoQ
|
-0.47% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
74.07%
-9.5% YoY
-2.0% QoQ
|
+11.44% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
1.20%
-12.5% YoY
+1.1% QoQ
|
+0.57% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
102.39%
-1.0% YoY
-1.6% QoQ
|
+19.33% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.80%
-8.4% YoY
-0.2% QoQ
|
+0.75% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.93%
-10.1% YoY
+1.3% QoQ
|
+0.43% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
22% |
| 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 ? |
0.35%
-18.9% YoY
+30.9% QoQ
|
-0.39% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 10%
in Community
Why this stands out
Current:
102.39%
(Tier avg: 83.06%, National avg: 78.04%)
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
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
82
82th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
79
79th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.80% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
25
25th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.66%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.50%
21
21th pctile
Delinquency Rate
Current: 1.20% · Tier avg: 0.63%
19
19th pctile
Efficiency Ratio
Current: 74.07% · Tier avg: 62.63%
15
15th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.16%
10
10th pctile
Loan-to-Deposit Ratio
Current: 102.39% · Tier avg: 83.06%
Top Weaknesses
10
10th pctile
Loan-to-Deposit Ratio
Current: 102.39% · Tier avg: 83.06%
15
15th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.16%
19
19th pctile
Efficiency Ratio
Current: 74.07% · Tier avg: 62.63%
21
21th pctile
Delinquency Rate
Current: 1.20% · Tier avg: 0.63%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.50%
25
25th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.66%
29
29th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.80% · Tier avg: 21.05%
79
79th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
82
82th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M