BlastPoint's Banking Scorecard
MassMutual Private Wealth & Trust, FSB
Micro
Specialty: Other
CT
FDIC cert 35394
Windsor, CT
2498
banks in Micro tier nationally
5 in CT
View Micro leaderboard (CT) →
MassMutual Private Wealth & Trust, FSB has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 5.48% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.92% below tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$91.4M
+4.1% YoY
+6.5% QoQ
|
-$126.1M |
$217.5M
+2.3% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? | $0 | -$139.2M |
$139.2M
+2.8% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$50.5M
0% YoY
0% QoQ
|
-$133.2M |
$183.7M
+1.8% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
6.57%
-4.3% YoY
-12.5% QoQ
|
+5.48% |
1.08%
+14.7% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
1.93%
-16.2% YoY
+5.1% QoQ
|
-1.92% |
3.85%
+6.6% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
86.56%
+0.8% YoY
+1.5% QoQ
|
+18.83% |
67.73%
-4.8% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? | - | - |
0.64%
+24.4% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -74.53% |
74.53%
+0.5% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
50.57%
-4.5% YoY
+2.3% QoQ
|
+41.72% |
8.85%
-3.4% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
64.47%
+4.6% YoY
+27.1% QoQ
|
+63.91% |
0.56%
+0.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
6.57%
(Tier avg: 1.08%, National avg: 1.12%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
1.93%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(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
100
100th pctile
Return on Assets
Current: 6.57% · Tier avg: 1.08%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
20
20th pctile
Total Assets
Current: $91.4M · Tier avg: $217.5M
12
12th pctile
Efficiency Ratio
Current: 86.56% · Tier avg: 67.73%
11
11th pctile
Total Deposits
Current: $50.5M · Tier avg: $183.7M
2
2th pctile
Net Interest Margin
Current: 1.93% · Tier avg: 3.85%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
Top Weaknesses
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
2
2th pctile
Net Interest Margin
Current: 1.93% · Tier avg: 3.85%
11
11th pctile
Total Deposits
Current: $50.5M · Tier avg: $183.7M
12
12th pctile
Efficiency Ratio
Current: 86.56% · Tier avg: 67.73%
20
20th pctile
Total Assets
Current: $91.4M · Tier avg: $217.5M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Return on Assets
Current: 6.57% · Tier avg: 1.08%