BlastPoint's Banking Scorecard
Canton Co-operative Bank
Micro
Specialty: Mortgage
MA
FDIC cert 26450
Designations: ✓ Community bank ✓ Mutual
Canton, MA
2498
banks in Micro tier nationally
21 in MA
View Micro leaderboard (MA) →
Canton Co-operative Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 13.71% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 22.49% above tier
- - Non-Interest-Bearing Deposit Share 13.75% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$159.0M
-0.4% YoY
-1.1% QoQ
|
-$58.5M |
$217.5M
+2.3% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$103.0M
+8.6% YoY
-0.3% QoQ
|
-$36.2M |
$139.2M
+2.8% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$131.7M
-1.6% YoY
-1.6% QoQ
|
-$51.9M |
$183.7M
+1.8% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
0.22%
-13.6% YoY
+48.5% QoQ
|
-0.87% |
1.08%
+14.7% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.77%
-2.7% YoY
+2.1% QoQ
|
-1.08% |
3.85%
+6.6% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
90.22%
+1.8% YoY
-3.4% QoQ
|
+22.49% |
67.73%
-4.8% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.27%
-3.8% YoY
-66.4% QoQ
|
-0.37% |
0.64%
+24.4% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
78.18%
+10.4% YoY
+1.3% QoQ
|
+3.65% |
74.53%
+0.5% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
8.64%
+19.5% YoY
-11.9% QoQ
|
-13.75% |
22.39%
-1.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.17%
+4.9% YoY
-66.1% QoQ
|
-0.28% |
0.45%
+25.1% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
22.56%
-7.3% YoY
+0.1% QoQ
|
+13.71% |
8.85%
-3.4% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.13%
-33.2% YoY
+44.5% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
22.56%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
90.22%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.64%
(Tier avg: 22.39%, National avg: 21.79%)
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
90
90th pctile
Tier 1 Capital Ratio
Current: 22.56% · Tier avg: 8.85%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
57
57th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.64%
46
46th pctile
Loan-to-Deposit Ratio
Current: 78.18% · Tier avg: 74.53%
44
44th pctile
Total Loans
Current: $103.0M · Tier avg: $139.2M
41
41th pctile
Total Assets
Current: $159.0M · Tier avg: $217.5M
39
39th pctile
Total Deposits
Current: $131.7M · Tier avg: $183.7M
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
10
10th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.08%
10
10th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.85%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.64% · Tier avg: 22.39%
9
9th pctile
Efficiency Ratio
Current: 90.22% · Tier avg: 67.73%
Top Weaknesses
9
9th pctile
Efficiency Ratio
Current: 90.22% · Tier avg: 67.73%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.64% · Tier avg: 22.39%
10
10th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.85%
10
10th pctile
Return on Assets
Current: 0.22% · Tier avg: 1.08%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
39
39th pctile
Total Deposits
Current: $131.7M · Tier avg: $183.7M
41
41th pctile
Total Assets
Current: $159.0M · Tier avg: $217.5M
44
44th pctile
Total Loans
Current: $103.0M · Tier avg: $139.2M
46
46th pctile
Loan-to-Deposit Ratio
Current: 78.18% · Tier avg: 74.53%
57
57th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.64%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.56% · Tier avg: 8.85%