BlastPoint's Banking Scorecard
The National Grand Bank of Marblehead
Micro
Specialty: Mortgage
MA
FDIC cert 2608
Designations: ✓ Community bank
Marblehead, MA
2498
banks in Micro tier nationally
21 in MA
View Micro leaderboard (MA) →
The National Grand Bank of Marblehead has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$445.4M
+1.8% YoY
+0.2% QoQ
|
+$227.9M |
$217.5M
+2.3% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$323.1M
+1.7% YoY
+0.1% QoQ
|
+$183.9M |
$139.2M
+2.8% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$369.8M
-0.7% YoY
-1.3% QoQ
|
+$186.1M |
$183.7M
+1.8% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
0.54%
+51.6% YoY
+10.1% QoQ
|
-0.55% |
1.08%
+14.7% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
2.30%
+12.3% YoY
+2.1% QoQ
|
-1.56% |
3.85%
+6.6% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
74.05%
-10.3% YoY
-2.3% QoQ
|
+6.32% |
67.73%
-4.8% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
87.37%
+2.4% YoY
+1.4% QoQ
|
+12.84% |
74.53%
+0.5% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
29.86%
-2.4% YoY
+5.1% QoQ
|
+7.47% |
22.39%
-1.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.32%
+4.0% YoY
+31.6% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.30%
(Tier avg: 3.85%, 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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
95
95th pctile
Total Loans
Current: $323.1M · Tier avg: $139.2M
94
94th pctile
Total Assets
Current: $445.4M · Tier avg: $217.5M
93
93th pctile
Total Deposits
Current: $369.8M · Tier avg: $183.7M
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 29.86% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
30
30th pctile
Efficiency Ratio
Current: 74.05% · Tier avg: 67.73%
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.37% · Tier avg: 74.53%
20
20th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.08%
4
4th pctile
Net Interest Margin
Current: 2.30% · Tier avg: 3.85%
Top Weaknesses
4
4th pctile
Net Interest Margin
Current: 2.30% · Tier avg: 3.85%
20
20th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.08%
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.37% · Tier avg: 74.53%
30
30th pctile
Efficiency Ratio
Current: 74.05% · Tier avg: 67.73%
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 29.86% · Tier avg: 22.39%
93
93th pctile
Total Deposits
Current: $369.8M · Tier avg: $183.7M
94
94th pctile
Total Assets
Current: $445.4M · Tier avg: $217.5M
95
95th pctile
Total Loans
Current: $323.1M · Tier avg: $139.2M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%