BlastPoint's Banking Scorecard
TruNorth Bank
Community
Specialty: Commercial
MA
FDIC cert 26484
Peabody, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
TruNorth Bank faces 1 concern 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 32% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.2B
+10.7% YoY
+8.6% QoQ
|
+$1.8B |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$2.5B
+6.6% YoY
+7.4% QoQ
|
+$1.5B |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$2.6B
+11.7% YoY
+9.1% QoQ
|
+$1.5B |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
1.31%
+77.7% YoY
+2.3% QoQ
|
+0.15% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
4.20%
+39.6% YoY
+1.0% QoQ
|
+0.54% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
51.53%
-3.4% YoY
-0.5% QoQ
|
-11.10% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.53%
-17.7% YoY
-20.8% QoQ
|
-0.10% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
93.89%
-4.6% YoY
-1.5% QoQ
|
+10.83% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
22.77%
+0.4% YoY
-3.6% QoQ
|
+1.72% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.40%
-20.8% YoY
-21.7% QoQ
|
-0.10% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
15.21%
+6.5% YoY
-0.6% QoQ
|
+4.96% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.36%
+45.6% YoY
+43.4% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#164 of 513 · Bottom 32% 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:
93.89%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
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
94
94th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
93
93th pctile
Total Assets
Current: $3.2B · Tier avg: $1.4B
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
81
81th pctile
Efficiency Ratio
Current: 51.53% · Tier avg: 62.63%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.21% · Tier avg: 10.24%
78
78th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.66%
75
75th pctile
Loan-to-Deposit Ratio
Current: 93.89% · Tier avg: 83.06%
64
64th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.16%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.77% · Tier avg: 21.05%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.50%
45
45th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.63%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
Top Weaknesses
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
45
45th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.63%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.50%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 22.77% · Tier avg: 21.05%
64
64th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.16%
75
75th pctile
Loan-to-Deposit Ratio
Current: 93.89% · Tier avg: 83.06%
78
78th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.66%
78
78th pctile
Tier 1 Capital Ratio
Current: 15.21% · Tier avg: 10.24%
81
81th pctile
Efficiency Ratio
Current: 51.53% · Tier avg: 62.63%
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
93
93th pctile
Total Assets
Current: $3.2B · Tier avg: $1.4B
94
94th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M