BlastPoint's Banking Scorecard
Needham Bank
Designations: ✓ Community bank ✓ Mutual
Needham, MA
Needham Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 16.37% above tier
- - Non-Interest Income / Assets 0.73% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.9B
+38.4% YoY
+29.3% QoQ
|
-$3.5B |
$10.5B
+2.9% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$6.0B
+38.9% YoY
+27.7% QoQ
|
-$1.2B |
$7.1B
+4.5% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$5.9B
+40.1% YoY
+28.2% QoQ
|
-$2.7B |
$8.5B
+3.0% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
0.90%
+22.4% YoY
-12.2% QoQ
|
-0.26% |
1.16%
+9.4% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
3.67%
+7.4% YoY
+0.7% QoQ
|
+0.27% |
3.40%
+7.9% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
63.45%
+2.0% YoY
+6.4% QoQ
|
+6.85% |
56.60%
-3.2% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
0.73%
+125.3% YoY
+199.0% QoQ
|
+0.04% |
0.68%
+12.0% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
101.84%
-0.8% YoY
-0.4% QoQ
|
+16.37% |
85.47%
+1.1% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.32%
-5.8% YoY
+5.2% QoQ
|
-6.32% |
20.64%
-0.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.63%
+126.2% YoY
+195.4% QoQ
|
+0.13% |
0.50%
+7.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
11.56%
-12.5% YoY
-11.3% QoQ
|
-1.99% |
13.55%
+1.8% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.22%
-20.0% YoY
+3.9% QoQ
|
-0.73% |
0.96%
+7.1% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (0)
Concerns (2)
Loan-to-Deposit Ratio
metricLoan-to-Deposit Ratio sits in the healthy band but at the low end of tier peers. Lending capacity is intact but underutilized - room to grow loans without funding-side strain.
Non-Interest Income / Assets
metricNon-Interest Income as a share of assets is in the bottom decile of tier peers. Revenue mix is heavily reliant on spread income - earnings more exposed to rate cycle inflections.
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%