BlastPoint's Banking Scorecard
BankGloucester
Micro
Specialty: Commercial
MA
FDIC cert 26536
Designations: ✓ Community bank ✓ Mutual
Gloucester, MA
2498
banks in Micro tier nationally
21 in MA
View Micro leaderboard (MA) →
BankGloucester 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
- - Delinquency Rate 1.87% above tier
- - Loan-to-Deposit Ratio 32.67% above tier
- - Nonperforming Asset Ratio 1.72% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$390.3M
+2.0% YoY
-2.0% QoQ
|
+$172.8M |
$217.5M
+2.3% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$337.0M
+3.6% YoY
+0.8% QoQ
|
+$197.9M |
$139.2M
+2.8% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$314.4M
+1.5% YoY
-0.6% QoQ
|
+$130.8M |
$183.7M
+1.8% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
0.37%
+219.5% YoY
+12.1% QoQ
|
-0.72% |
1.08%
+14.7% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
3.52%
+18.1% YoY
+2.4% QoQ
|
-0.34% |
3.85%
+6.6% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
83.22%
-11.0% YoY
-0.5% QoQ
|
+15.50% |
67.73%
-4.8% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
2.51%
+41.2% YoY
-1.4% QoQ
|
+1.87% |
0.64%
+24.4% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
107.19%
+2.1% YoY
+1.4% QoQ
|
+32.67% |
74.53%
+0.5% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.78%
-6.2% YoY
-8.5% QoQ
|
-3.61% |
22.39%
-1.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
2.17%
+43.5% YoY
+1.4% QoQ
|
+1.72% |
0.45%
+25.1% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
12.21%
+0.7% YoY
-0.1% QoQ
|
+3.36% |
8.85%
-3.4% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.21%
-11.1% YoY
+37.4% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.51%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
107.19%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.17%
(Tier avg: 0.45%, 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
97
97th pctile
Total Loans
Current: $337.0M · Tier avg: $139.2M
87
87th pctile
Total Assets
Current: $390.3M · Tier avg: $217.5M
84
84th pctile
Total Deposits
Current: $314.4M · Tier avg: $183.7M
59
59th pctile
Tier 1 Capital Ratio
Current: 12.21% · Tier avg: 8.85%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.78% · Tier avg: 22.39%
34
34th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
16
16th pctile
Efficiency Ratio
Current: 83.22% · Tier avg: 67.73%
14
14th pctile
Return on Assets
Current: 0.37% · Tier avg: 1.08%
9
9th pctile
Delinquency Rate
Current: 2.51% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.17% · Tier avg: 0.45%
4
4th pctile
Loan-to-Deposit Ratio
Current: 107.19% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 107.19% · Tier avg: 74.53%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.17% · Tier avg: 0.45%
9
9th pctile
Delinquency Rate
Current: 2.51% · Tier avg: 0.64%
14
14th pctile
Return on Assets
Current: 0.37% · Tier avg: 1.08%
16
16th pctile
Efficiency Ratio
Current: 83.22% · Tier avg: 67.73%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
34
34th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.78% · Tier avg: 22.39%
59
59th pctile
Tier 1 Capital Ratio
Current: 12.21% · Tier avg: 8.85%
84
84th pctile
Total Deposits
Current: $314.4M · Tier avg: $183.7M
87
87th pctile
Total Assets
Current: $390.3M · Tier avg: $217.5M
97
97th pctile
Total Loans
Current: $337.0M · Tier avg: $139.2M