BlastPoint's Banking Scorecard
The Village Bank
Community
Specialty: Commercial
MA
FDIC cert 26336
Designations: ✓ Mutual
Newton, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
The Village Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 13% in Community
- - Credit Risk Growth: Bottom 18% in Community
- - Return on Assets 0.71% below tier
- - Net Interest Margin 1.44% 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
+3.0% YoY
+0.7% QoQ
|
+$657.7M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$1.7B
+3.1% YoY
+0.5% QoQ
|
+$684.9M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$1.8B
+6.3% YoY
-1.1% QoQ
|
+$642.0M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
0.45%
+3.3% QoQ
|
-0.71% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.22%
+29.3% YoY
+2.6% QoQ
|
-1.44% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
75.25%
-24.7% YoY
-1.6% QoQ
|
+12.62% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
0.31%
+216.5% YoY
+137.3% QoQ
|
-0.32% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
91.90%
-3.0% YoY
+1.6% QoQ
|
+8.84% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
18.81%
-3.4% YoY
+1.0% QoQ
|
-2.24% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.25%
+216.8% YoY
+136.7% QoQ
|
-0.25% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
14.72%
-0.4% YoY
-0.8% QoQ
|
+4.48% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.23%
+48.8% YoY
+20.6% QoQ
|
-0.50% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
15% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Liquidity Strain
risk
#70 of 513 · Bottom 13% 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:
91.90%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#116 of 642 · Bottom 18% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 10%
in Community
Why this stands out
Current:
0.45%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Community
Why this stands out
Current:
2.22%
(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
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
80
80th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
74
74th pctile
Tier 1 Capital Ratio
Current: 14.72% · Tier avg: 10.24%
69
69th pctile
Loan-to-Deposit Ratio
Current: 91.90% · Tier avg: 83.06%
60
60th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.81% · Tier avg: 21.05%
17
17th pctile
Efficiency Ratio
Current: 75.25% · Tier avg: 62.63%
15
15th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
10
10th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.16%
3
3th pctile
Net Interest Margin
Current: 2.22% · Tier avg: 3.66%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.22% · Tier avg: 3.66%
10
10th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.16%
15
15th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
17
17th pctile
Efficiency Ratio
Current: 75.25% · Tier avg: 62.63%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.81% · Tier avg: 21.05%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
60
60th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
69
69th pctile
Loan-to-Deposit Ratio
Current: 91.90% · Tier avg: 83.06%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.72% · Tier avg: 10.24%
80
80th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
84
84th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M