BlastPoint's Banking Scorecard
Walpole Co-operative Bank
Community
Specialty: Commercial
MA
FDIC cert 26487
Designations: ✓ Mutual
Walpole, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Walpole 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 29% in Community
- - Loan-to-Deposit Ratio 22.83% above tier
- - Non-Interest-Bearing Deposit Share 11.60% below tier
- - Non-Interest Income / Assets 0.66% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$637.4M
+2.3% YoY
+0.8% QoQ
|
-$754.1M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$531.7M
+3.9% YoY
+1.3% QoQ
|
-$443.7M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$502.2M
+1.6% YoY
+1.5% QoQ
|
-$662.4M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
0.76%
+203.8% YoY
+11.8% QoQ
|
-0.40% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
3.23%
+28.6% YoY
+3.6% QoQ
|
-0.43% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
65.97%
-23.0% YoY
-5.1% QoQ
|
+3.34% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.37%
-9.6% YoY
-8.0% QoQ
|
-0.26% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
105.89%
+2.3% YoY
-0.1% QoQ
|
+22.83% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.45%
+5.9% YoY
+3.5% QoQ
|
-11.60% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.31%
-8.2% YoY
-7.5% QoQ
|
-0.19% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
53% |
| 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 ? |
0.07%
+108.1% YoY
+2.8% QoQ
|
-0.66% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Capital Thin
risk
#124 of 432 · Bottom 29% 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
Loan-to-Deposit Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
105.89%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Community
Why this stands out
Current:
9.45%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
0.07%
(Tier avg: 0.74%, National avg: 0.65%)
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
55
55th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.63%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
38
38th pctile
Efficiency Ratio
Current: 65.97% · Tier avg: 62.63%
35
35th pctile
Total Loans
Current: $531.7M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Net Interest Margin
Current: 3.23% · Tier avg: 3.66%
22
22th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.16%
19
19th pctile
Total Assets
Current: $637.4M · Tier avg: $1.4B
13
13th pctile
Total Deposits
Current: $502.2M · Tier avg: $1.2B
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.45% · Tier avg: 21.05%
6
6th pctile
Loan-to-Deposit Ratio
Current: 105.89% · Tier avg: 83.06%
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
6
6th pctile
Loan-to-Deposit Ratio
Current: 105.89% · Tier avg: 83.06%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.45% · Tier avg: 21.05%
13
13th pctile
Total Deposits
Current: $502.2M · Tier avg: $1.2B
19
19th pctile
Total Assets
Current: $637.4M · Tier avg: $1.4B
22
22th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.16%
27
27th pctile
Net Interest Margin
Current: 3.23% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
35
35th pctile
Total Loans
Current: $531.7M · Tier avg: $975.5M
38
38th pctile
Efficiency Ratio
Current: 65.97% · Tier avg: 62.63%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
55
55th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.63%