BlastPoint's Banking Scorecard
Fidelity Co-operative Bank
Community
Specialty: Commercial
MA
FDIC cert 26451
Leominster, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Fidelity Co-operative 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
- - Capital Thin: Bottom 1% in Community
- - Return on Assets 1.46% below tier
- - Delinquency Rate 4.40% above tier
- - Nonperforming Asset Ratio 3.22% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
-10.9% YoY
-4.0% QoQ
|
-$9.3M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$1.0B
-3.8% YoY
-3.7% QoQ
|
+$47.0M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$1.2B
-14.6% YoY
-7.9% QoQ
|
-$10.3M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
-0.29%
-156.7% YoY
-3.2% QoQ
|
-1.46% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
4.14%
+32.9% YoY
+1.4% QoQ
|
+0.48% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
63.98%
+1.8% YoY
-0.4% QoQ
|
+1.35% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
5.03%
+504.8% YoY
+115.1% QoQ
|
+4.40% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
88.58%
+12.7% YoY
+4.6% QoQ
|
+5.51% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
19.22%
+19.0% YoY
+5.3% QoQ
|
-1.82% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
3.72%
+552.6% YoY
+115.9% QoQ
|
+3.22% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| 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 ? |
0.62%
+121.9% YoY
+45.8% QoQ
|
-0.12% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Capital Thin
risk
#2 of 432 · Bottom 1% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
-0.29%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
5.03%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
3.72%
(Tier avg: 0.50%, National avg: 0.48%)
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
76
76th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.66%
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
65
65th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.22% · Tier avg: 21.05%
45
45th pctile
Efficiency Ratio
Current: 63.98% · Tier avg: 62.63%
39
39th pctile
Loan-to-Deposit Ratio
Current: 88.58% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
2
2th pctile
Return on Assets
Current: -0.29% · Tier avg: 1.16%
0
0th pctile
Delinquency Rate
Current: 5.03% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.72% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.72% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 5.03% · Tier avg: 0.63%
2
2th pctile
Return on Assets
Current: -0.29% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
39
39th pctile
Loan-to-Deposit Ratio
Current: 88.58% · Tier avg: 83.06%
45
45th pctile
Efficiency Ratio
Current: 63.98% · Tier avg: 62.63%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.22% · Tier avg: 21.05%
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
65
65th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
76
76th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.66%