BlastPoint's Banking Scorecard
Middlesex Federal Savings, F.A.
Community
Specialty: Commercial
MA
FDIC cert 28368
Designations: ✓ Mutual
Somerville, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Middlesex Federal Savings, F.A. has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Non-Interest-Bearing Deposit Share 46.26% above tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 25% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$638.0M
+1.0% YoY
-2.3% QoQ
|
-$753.5M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$510.9M
+3.1% YoY
-2.1% QoQ
|
-$464.6M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$576.3M
+0.2% YoY
-0.6% QoQ
|
-$588.3M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
0.69%
+2.6% YoY
-15.8% QoQ
|
-0.47% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
4.00%
+6.7% YoY
+1.5% QoQ
|
+0.33% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
73.67%
-2.5% YoY
+0.1% QoQ
|
+11.04% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
88.65%
+2.9% YoY
-1.5% QoQ
|
+5.59% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
67.31%
-0.1% YoY
-0.7% QoQ
|
+46.26% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.50% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
13.73%
+5.2% YoY
+2.9% QoQ
|
+3.49% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.25%
-6.6% YoY
+41.3% QoQ
|
-0.49% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Community
Why this stands out
Current:
67.31%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Flatlined Growth
risk
#63 of 245 · Bottom 25% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.69%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 67.31% · Tier avg: 21.05%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
70
70th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.66%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.73% · Tier avg: 10.24%
39
39th pctile
Loan-to-Deposit Ratio
Current: 88.65% · Tier avg: 83.06%
33
33th pctile
Total Loans
Current: $510.9M · Tier avg: $975.5M
25
25th pctile
Total Deposits
Current: $576.3M · Tier avg: $1.2B
20
20th pctile
Efficiency Ratio
Current: 73.67% · Tier avg: 62.63%
20
20th pctile
Total Assets
Current: $638.0M · Tier avg: $1.4B
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
16
16th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
Top Weaknesses
16
16th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
20
20th pctile
Total Assets
Current: $638.0M · Tier avg: $1.4B
20
20th pctile
Efficiency Ratio
Current: 73.67% · Tier avg: 62.63%
25
25th pctile
Total Deposits
Current: $576.3M · Tier avg: $1.2B
33
33th pctile
Total Loans
Current: $510.9M · Tier avg: $975.5M
39
39th pctile
Loan-to-Deposit Ratio
Current: 88.65% · Tier avg: 83.06%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.73% · Tier avg: 10.24%
70
70th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.66%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 67.31% · Tier avg: 21.05%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%