BlastPoint's Banking Scorecard
Bank of Easton
Micro
Specialty: Mortgage
MA
FDIC cert 26554
Designations: ✓ Community bank ✓ Mutual
North Easton, MA
2498
banks in Micro tier nationally
21 in MA
View Micro leaderboard (MA) →
Bank of Easton 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
- - Net Interest Margin 1.78% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$245.0M
+19.1% YoY
+1.9% QoQ
|
+$27.5M |
$217.5M
+2.3% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$120.3M
+9.4% YoY
+2.5% QoQ
|
-$18.8M |
$139.2M
+2.8% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$219.0M
+19.8% YoY
+1.7% QoQ
|
+$35.3M |
$183.7M
+1.8% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
0.59%
+41.7% YoY
+9.0% QoQ
|
-0.50% |
1.08%
+14.7% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
2.07%
+9.7% YoY
+2.7% QoQ
|
-1.78% |
3.85%
+6.6% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
65.02%
-12.3% YoY
-2.9% QoQ
|
-2.71% |
67.73%
-4.8% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.00%
-96.3% YoY
-2.4% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
54.95%
-8.7% YoY
+0.7% QoQ
|
-19.58% |
74.53%
+0.5% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
16.60%
-9.2% YoY
-3.9% QoQ
|
-5.79% |
22.39%
-1.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.00%
-96.6% YoY
-1.9% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
83% |
| 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 ? |
0.17%
-11.1% YoY
+28.3% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
2.07%
(Tier avg: 3.85%, National avg: 3.75%)
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
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
83
83th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
64
64th pctile
Total Deposits
Current: $219.0M · Tier avg: $183.7M
61
61th pctile
Total Assets
Current: $245.0M · Tier avg: $217.5M
53
53th pctile
Efficiency Ratio
Current: 65.02% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Loans
Current: $120.3M · Tier avg: $139.2M
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.60% · Tier avg: 22.39%
22
22th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.08%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
18
18th pctile
Loan-to-Deposit Ratio
Current: 54.95% · Tier avg: 74.53%
2
2th pctile
Net Interest Margin
Current: 2.07% · Tier avg: 3.85%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 2.07% · Tier avg: 3.85%
18
18th pctile
Loan-to-Deposit Ratio
Current: 54.95% · Tier avg: 74.53%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
22
22th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.08%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.60% · Tier avg: 22.39%
50
50th pctile
Total Loans
Current: $120.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Efficiency Ratio
Current: 65.02% · Tier avg: 67.73%
61
61th pctile
Total Assets
Current: $245.0M · Tier avg: $217.5M
64
64th pctile
Total Deposits
Current: $219.0M · Tier avg: $183.7M
83
83th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%