BlastPoint's Banking Scorecard
The Pittsfield Co-operative Bank
Micro
Specialty: Mortgage
MA
FDIC cert 26393
Designations: ✓ Community bank ✓ Mutual
Pittsfield, MA
2498
banks in Micro tier nationally
21 in MA
View Micro leaderboard (MA) →
The Pittsfield Co-operative Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.37% below tier
- - Efficiency Ratio 36.21% above tier
- - Loan-to-Deposit Ratio 27.11% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$431.5M
+9.0% YoY
+4.1% QoQ
|
+$214.0M |
$217.5M
+2.3% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$319.3M
+18.0% YoY
+6.1% QoQ
|
+$180.2M |
$139.2M
+2.8% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$314.2M
+4.6% YoY
+1.8% QoQ
|
+$130.5M |
$183.7M
+1.8% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
-0.29%
-664.3% YoY
|
-1.37% |
1.08%
+14.7% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.95%
+8.1% YoY
+3.0% QoQ
|
-0.90% |
3.85%
+6.6% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 15% in tier |
| Efficiency Ratio ? |
103.94%
+7.1% YoY
-0.4% QoQ
|
+36.21% |
67.73%
-4.8% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.35%
-38.3% YoY
-28.9% QoQ
|
-0.29% |
0.64%
+24.4% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
101.64%
+12.8% YoY
+4.3% QoQ
|
+27.11% |
74.53%
+0.5% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.08%
-15.6% YoY
-6.2% QoQ
|
+0.69% |
22.39%
-1.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.26%
-33.3% YoY
-27.5% QoQ
|
-0.19% |
0.45%
+25.1% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
19.40%
-10.9% YoY
-5.1% QoQ
|
+10.55% |
8.85%
-3.4% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 15% in tier |
| Non-Interest Income / Assets ? |
0.37%
+0.9% YoY
+32.6% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.29%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
103.94%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
101.64%
(Tier avg: 74.53%, 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
95
95th pctile
Total Loans
Current: $319.3M · Tier avg: $139.2M
92
92th pctile
Total Assets
Current: $431.5M · Tier avg: $217.5M
85
85th pctile
Tier 1 Capital Ratio
Current: 19.40% · Tier avg: 8.85%
84
84th pctile
Total Deposits
Current: $314.2M · Tier avg: $183.7M
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.08% · Tier avg: 22.39%
52
52th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.64%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
51
51th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
15
15th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.85%
7
7th pctile
Loan-to-Deposit Ratio
Current: 101.64% · Tier avg: 74.53%
4
4th pctile
Return on Assets
Current: -0.29% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 103.94% · Tier avg: 67.73%
Top Weaknesses
4
4th pctile
Efficiency Ratio
Current: 103.94% · Tier avg: 67.73%
4
4th pctile
Return on Assets
Current: -0.29% · Tier avg: 1.08%
7
7th pctile
Loan-to-Deposit Ratio
Current: 101.64% · Tier avg: 74.53%
15
15th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.85%
51
51th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
52
52th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.64%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.08% · Tier avg: 22.39%
84
84th pctile
Total Deposits
Current: $314.2M · Tier avg: $183.7M
85
85th pctile
Tier 1 Capital Ratio
Current: 19.40% · Tier avg: 8.85%
92
92th pctile
Total Assets
Current: $431.5M · Tier avg: $217.5M
95
95th pctile
Total Loans
Current: $319.3M · Tier avg: $139.2M