BlastPoint's Banking Scorecard
Dean Co-operative Bank
Micro
Specialty: Mortgage
MA
FDIC cert 27269
Designations: ✓ Community bank ✓ Mutual
Franklin, MA
2498
banks in Micro tier nationally
21 in MA
View Micro leaderboard (MA) →
Dean Co-operative Bank 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
- - Efficiency Ratio 21.70% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$489.2M
+3.0% YoY
+2.1% QoQ
|
+$271.7M |
$217.5M
+2.3% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$343.7M
+4.3% YoY
+1.4% QoQ
|
+$204.5M |
$139.2M
+2.8% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$419.2M
+5.2% YoY
+2.4% QoQ
|
+$235.5M |
$183.7M
+1.8% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
0.29%
+170.5% YoY
+8.0% QoQ
|
-0.79% |
1.08%
+14.7% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
2.97%
+11.4% YoY
+1.2% QoQ
|
-0.89% |
3.85%
+6.6% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
15% |
| Efficiency Ratio ? |
89.43%
-7.3% YoY
-0.9% QoQ
|
+21.70% |
67.73%
-4.8% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.08%
-74.7% YoY
-8.4% QoQ
|
-0.56% |
0.64%
+24.4% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
82.00%
-0.9% YoY
-1.0% QoQ
|
+7.47% |
74.53%
+0.5% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
30.87%
-7.4% YoY
+1.9% QoQ
|
+8.47% |
22.39%
-1.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.05%
-74.4% YoY
-8.9% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
13.29%
+0.9% YoY
-0.1% QoQ
|
+4.44% |
8.85%
-3.4% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.66%
-0.1% YoY
+31.9% QoQ
|
+0.10% |
0.56%
+0.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
89.43%
(Tier avg: 67.73%, National avg: 65.09%)
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
99
99th pctile
Total Assets
Current: $489.2M · Tier avg: $217.5M
98
98th pctile
Total Deposits
Current: $419.2M · Tier avg: $183.7M
97
97th pctile
Total Loans
Current: $343.7M · Tier avg: $139.2M
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.87% · Tier avg: 22.39%
81
81th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.29% · Tier avg: 8.85%
62
62th pctile
Loan-to-Deposit Ratio
Current: 82.00% · Tier avg: 74.53%
15
15th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.85%
12
12th pctile
Return on Assets
Current: 0.29% · Tier avg: 1.08%
9
9th pctile
Efficiency Ratio
Current: 89.43% · Tier avg: 67.73%
Top Weaknesses
9
9th pctile
Efficiency Ratio
Current: 89.43% · Tier avg: 67.73%
12
12th pctile
Return on Assets
Current: 0.29% · Tier avg: 1.08%
15
15th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.85%
62
62th pctile
Loan-to-Deposit Ratio
Current: 82.00% · Tier avg: 74.53%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.29% · Tier avg: 8.85%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
81
81th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.87% · Tier avg: 22.39%
97
97th pctile
Total Loans
Current: $343.7M · Tier avg: $139.2M
98
98th pctile
Total Deposits
Current: $419.2M · Tier avg: $183.7M
99
99th pctile
Total Assets
Current: $489.2M · Tier avg: $217.5M