BlastPoint's Banking Scorecard
42 North Private Bank
Micro
Specialty: Mortgage
MA
FDIC cert 27015
Designations: ✓ Community bank
Canton, MA
2498
banks in Micro tier nationally
21 in MA
View Micro leaderboard (MA) →
42 North Private Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 3.96% below tier
- - Net Interest Margin 1.85% below tier
- - Loan-to-Deposit Ratio 35.54% above tier
- - Non-Interest-Bearing Deposit Share 20.55% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$177.9M
-15.3% YoY
+0.5% QoQ
|
-$39.6M |
$217.5M
+2.3% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$148.9M
-13.0% YoY
-0.0% QoQ
|
+$9.8M |
$139.2M
+2.8% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$135.3M
-10.5% YoY
+1.9% QoQ
|
-$48.3M |
$183.7M
+1.8% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
-2.88%
-50.2% YoY
-4.9% QoQ
|
-3.96% |
1.08%
+14.7% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
2.00%
+49.0% YoY
-5.2% QoQ
|
-1.85% |
3.85%
+6.6% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
279.04%
+11.6% YoY
+3.5% QoQ
|
+211.31% |
67.73%
-4.8% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? |
0.03%
-96.8% YoY
-68.8% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
110.06%
-2.8% YoY
-1.9% QoQ
|
+35.54% |
74.53%
+0.5% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
1.84%
+47.3% YoY
-30.7% QoQ
|
-20.55% |
22.39%
-1.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-96.7% YoY
-68.9% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
13.34%
-14.2% YoY
-11.7% QoQ
|
+4.49% |
8.85%
-3.4% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
-0.32%
+0.1% QoQ
|
-0.88% |
0.56%
+0.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-2.88%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
2.00%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
110.06%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
1.84%
(Tier avg: 22.39%, 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
77
77th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.34% · Tier avg: 8.85%
60
60th pctile
Total Loans
Current: $148.9M · Tier avg: $139.2M
45
45th pctile
Total Assets
Current: $177.9M · Tier avg: $217.5M
41
41th pctile
Total Deposits
Current: $135.3M · Tier avg: $183.7M
3
3th pctile
Loan-to-Deposit Ratio
Current: 110.06% · Tier avg: 74.53%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 1.84% · Tier avg: 22.39%
2
2th pctile
Net Interest Margin
Current: 2.00% · Tier avg: 3.85%
0
0th pctile
Return on Assets
Current: -2.88% · Tier avg: 1.08%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -2.88% · Tier avg: 1.08%
2
2th pctile
Net Interest Margin
Current: 2.00% · Tier avg: 3.85%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 1.84% · Tier avg: 22.39%
3
3th pctile
Loan-to-Deposit Ratio
Current: 110.06% · Tier avg: 74.53%
41
41th pctile
Total Deposits
Current: $135.3M · Tier avg: $183.7M
45
45th pctile
Total Assets
Current: $177.9M · Tier avg: $217.5M
60
60th pctile
Total Loans
Current: $148.9M · Tier avg: $139.2M
65
65th pctile
Tier 1 Capital Ratio
Current: 13.34% · Tier avg: 8.85%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
77
77th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%