BlastPoint's Banking Scorecard
Bankhometown
Community
Specialty: Commercial
MA
FDIC cert 26523
Oxford, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Bankhometown faces 3 concerns 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 30% in Community
- - Delinquency Rate 2.01% above tier
- - Nonperforming Asset Ratio 1.63% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+4.3% YoY
-1.4% QoQ
|
+$176.6M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$1.3B
+4.9% YoY
-0.1% QoQ
|
+$292.8M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$1.3B
+3.7% YoY
-1.7% QoQ
|
+$168.1M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
1.14%
-4.7% YoY
-11.3% QoQ
|
-0.02% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
3.74%
+3.9% YoY
+1.4% QoQ
|
+0.08% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
55.19%
-5.6% YoY
-0.8% QoQ
|
-7.44% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
2.64%
+755.2% YoY
+662.2% QoQ
|
+2.01% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
95.17%
+1.1% YoY
+1.7% QoQ
|
+12.11% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
18.11%
+1.6% YoY
-3.9% QoQ
|
-2.94% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
2.13%
+760.0% YoY
+672.7% QoQ
|
+1.63% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? |
13.85%
+3.4% YoY
-6.7% QoQ
|
+3.60% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.65%
-2.4% YoY
+36.5% QoQ
|
-0.09% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Liquidity Strain
risk
#153 of 513 · Bottom 30% 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:
95.17%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 6%
in Community
Why this stands out
Current:
2.64%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
2.13%
(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
78
78th pctile
Loan-to-Deposit Ratio
Current: 95.17% · Tier avg: 83.06%
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
72
72th pctile
Efficiency Ratio
Current: 55.19% · Tier avg: 62.63%
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
66
66th pctile
Tier 1 Capital Ratio
Current: 13.85% · Tier avg: 10.24%
65
65th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.74%
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
51
51th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.16%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.11% · Tier avg: 21.05%
6
6th pctile
Delinquency Rate
Current: 2.64% · Tier avg: 0.63%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.13% · Tier avg: 0.50%
Top Weaknesses
5
5th pctile
Nonperforming Asset Ratio
Current: 2.13% · Tier avg: 0.50%
6
6th pctile
Delinquency Rate
Current: 2.64% · Tier avg: 0.63%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.11% · Tier avg: 21.05%
51
51th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.16%
56
56th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.66%
65
65th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.74%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.85% · Tier avg: 10.24%
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
72
72th pctile
Efficiency Ratio
Current: 55.19% · Tier avg: 62.63%
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
78
78th pctile
Loan-to-Deposit Ratio
Current: 95.17% · Tier avg: 83.06%