BlastPoint's Banking Scorecard
OneLocal Bank
Community
Specialty: Commercial
MA
FDIC cert 26555
Norwood, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
OneLocal Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 21% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6% in Community
- - Credit Risk Growth: Bottom 32% in Community
- - Loan-to-Deposit Ratio 22.99% above tier
- - Non-Interest-Bearing Deposit Share 11.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+6.8% YoY
-0.1% QoQ
|
-$360.2M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$881.2M
+8.2% YoY
-0.1% QoQ
|
-$94.2M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$831.0M
+4.7% YoY
+0.8% QoQ
|
-$333.7M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
0.92%
+61.0% YoY
+8.3% QoQ
|
-0.24% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.44%
+16.6% YoY
+2.2% QoQ
|
-0.22% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
60.04%
-15.1% YoY
-2.5% QoQ
|
-2.59% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.08%
+56.0% YoY
+69.8% QoQ
|
-0.55% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
106.05%
+3.3% YoY
-0.9% QoQ
|
+22.99% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.53%
+2.1% YoY
-1.2% QoQ
|
-11.51% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.07%
+58.1% YoY
+69.9% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
84% |
| 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 ? |
0.21%
+17.3% YoY
+25.4% QoQ
|
-0.53% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#77 of 371 · Top 21% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (4)
Credit Quality Pressure
risk
#48 of 808 · Bottom 6% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#207 of 642 · Bottom 32% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
106.05%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Community
Why this stands out
Current:
9.53%
(Tier avg: 21.05%, 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
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
63
63th pctile
Total Loans
Current: $881.2M · Tier avg: $975.5M
56
56th pctile
Efficiency Ratio
Current: 60.04% · Tier avg: 62.63%
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
49
49th pctile
Total Deposits
Current: $831.0M · Tier avg: $1.2B
39
39th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.66%
32
32th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
12
12th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.53% · Tier avg: 21.05%
6
6th pctile
Loan-to-Deposit Ratio
Current: 106.05% · Tier avg: 83.06%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 106.05% · Tier avg: 83.06%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.53% · Tier avg: 21.05%
12
12th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
39
39th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.66%
49
49th pctile
Total Deposits
Current: $831.0M · Tier avg: $1.2B
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
56
56th pctile
Efficiency Ratio
Current: 60.04% · Tier avg: 62.63%
63
63th pctile
Total Loans
Current: $881.2M · Tier avg: $975.5M
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%