BlastPoint's Banking Scorecard
StonehamBank, A Co-operative Bank
Community
Specialty: Commercial
MA
FDIC cert 26559
Designations: ✓ Mutual
Stoneham, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
StonehamBank, A Co-operative Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.61% below tier
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.80% below tier
- - Net Interest Margin 0.94% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$882.8M
+7.0% YoY
+1.9% QoQ
|
-$508.7M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$705.7M
+6.5% YoY
+1.5% QoQ
|
-$269.8M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$715.1M
-0.4% YoY
+1.1% QoQ
|
-$449.5M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
0.37%
+103.0% YoY
+26.6% QoQ
|
-0.80% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
2.72%
+23.1% YoY
+2.7% QoQ
|
-0.94% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
78.92%
-13.5% YoY
-2.9% QoQ
|
+16.29% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.02%
-89.4% YoY
-5.4% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Top 7% in tier |
| Loan-to-Deposit Ratio ? |
98.69%
+7.0% YoY
+0.4% QoQ
|
+15.62% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
13.11%
+0.1% YoY
-2.7% QoQ
|
-7.94% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.01%
-89.5% YoY
-5.8% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Top 7% in tier |
| Tier 1 Capital Ratio ? |
12.43%
-5.9% YoY
+0.3% QoQ
|
+2.19% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.28%
-35.6% YoY
+29.7% QoQ
|
-0.46% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 7%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 7%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Return on Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.37%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 10%
in Community
Why this stands out
Current:
2.72%
(Tier avg: 3.66%, 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
93
93th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.43% · Tier avg: 10.24%
50
50th pctile
Total Loans
Current: $705.7M · Tier avg: $975.5M
42
42th pctile
Total Assets
Current: $882.8M · Tier avg: $1.4B
40
40th pctile
Total Deposits
Current: $715.1M · Tier avg: $1.2B
20
20th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.11% · Tier avg: 21.05%
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.69% · Tier avg: 83.06%
12
12th pctile
Efficiency Ratio
Current: 78.92% · Tier avg: 62.63%
10
10th pctile
Net Interest Margin
Current: 2.72% · Tier avg: 3.66%
7
7th pctile
Return on Assets
Current: 0.37% · Tier avg: 1.16%
Top Weaknesses
7
7th pctile
Return on Assets
Current: 0.37% · Tier avg: 1.16%
10
10th pctile
Net Interest Margin
Current: 2.72% · Tier avg: 3.66%
12
12th pctile
Efficiency Ratio
Current: 78.92% · Tier avg: 62.63%
15
15th pctile
Loan-to-Deposit Ratio
Current: 98.69% · Tier avg: 83.06%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.11% · Tier avg: 21.05%
20
20th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
40
40th pctile
Total Deposits
Current: $715.1M · Tier avg: $1.2B
42
42th pctile
Total Assets
Current: $882.8M · Tier avg: $1.4B
50
50th pctile
Total Loans
Current: $705.7M · Tier avg: $975.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 12.43% · Tier avg: 10.24%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
93
93th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%