BlastPoint's Banking Scorecard
Stoughton Co-operative Bank
Micro
Specialty: Mortgage
MA
FDIC cert 26513
Designations: ✓ Community bank ✓ Mutual
Stoughton, MA
2498
banks in Micro tier nationally
21 in MA
View Micro leaderboard (MA) →
Stoughton Co-operative Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.10% below tier
- - Non-Interest-Bearing Deposit Share 15.66% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$135.3M
+3.1% YoY
+0.2% QoQ
|
-$82.2M |
$217.5M
+2.3% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$109.1M
+6.8% YoY
+1.1% QoQ
|
-$30.1M |
$139.2M
+2.8% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$117.7M
+0.6% YoY
+0.0% QoQ
|
-$66.0M |
$183.7M
+1.8% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
0.51%
+235.1% YoY
-4.1% QoQ
|
-0.58% |
1.08%
+14.7% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
2.75%
+18.5% YoY
+3.0% QoQ
|
-1.10% |
3.85%
+6.6% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
76.76%
-5.3% YoY
+2.0% QoQ
|
+9.03% |
67.73%
-4.8% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
92.69%
+6.1% YoY
+1.1% QoQ
|
+18.16% |
74.53%
+0.5% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
6.73%
+51.4% YoY
+18.5% QoQ
|
-15.66% |
22.39%
-1.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.16%
-69.7% YoY
+21.8% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.75%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
6.73%
(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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
82
82th pctile
Loan-to-Deposit Ratio
Current: 92.69% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Total Loans
Current: $109.1M · Tier avg: $139.2M
35
35th pctile
Total Deposits
Current: $117.7M · Tier avg: $183.7M
33
33th pctile
Total Assets
Current: $135.3M · Tier avg: $217.5M
25
25th pctile
Efficiency Ratio
Current: 76.76% · Tier avg: 67.73%
19
19th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.08%
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
9
9th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.85%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.73% · Tier avg: 22.39%
Top Weaknesses
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.73% · Tier avg: 22.39%
9
9th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.85%
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
19
19th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.08%
25
25th pctile
Efficiency Ratio
Current: 76.76% · Tier avg: 67.73%
33
33th pctile
Total Assets
Current: $135.3M · Tier avg: $217.5M
35
35th pctile
Total Deposits
Current: $117.7M · Tier avg: $183.7M
46
46th pctile
Total Loans
Current: $109.1M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
82
82th pctile
Loan-to-Deposit Ratio
Current: 92.69% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%