BlastPoint's Banking Scorecard
Leader Bank, National Association
Mid-Market
Specialty: Commercial
MA
FDIC cert 57134
Designations: ✓ Community bank
Arlington, MA
201
banks in Mid-Market tier nationally
9 in MA
View Mid-Market leaderboard (MA) →
Leader Bank, National Association has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.65% below tier
- + Loan-to-Deposit Ratio 19.34% above tier
- + Nonperforming Asset Ratio 0.47% below tier
- + Tier 1 Capital Ratio 7.29% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1% in Mid-Market
- - Liquidity Overhang: Bottom 4% in Mid-Market
- - Credit Risk Growth: Bottom 40% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.0B
+9.5% YoY
-1.0% QoQ
|
-$5.4B |
$10.5B
+2.9% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$4.1B
+9.2% YoY
+1.3% QoQ
|
-$3.0B |
$7.1B
+4.5% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$3.9B
+6.4% YoY
-5.9% QoQ
|
-$4.6B |
$8.5B
+3.0% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
0.75%
+39.7% YoY
+1.4% QoQ
|
-0.42% |
1.16%
+9.4% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
2.25%
+16.2% YoY
+2.5% QoQ
|
-1.15% |
3.40%
+7.9% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
61.53%
-9.3% YoY
+1.8% QoQ
|
+4.93% |
56.60%
-3.2% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.03%
+9.8% YoY
+7.8% QoQ
|
-0.65% |
0.68%
+12.0% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Top 5% in tier |
| Loan-to-Deposit Ratio ? |
104.82%
+2.6% YoY
+7.6% QoQ
|
+19.34% |
85.47%
+1.1% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.22%
-13.3% YoY
-3.6% QoQ
|
-8.42% |
20.64%
-0.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.03%
+9.5% YoY
+10.3% QoQ
|
-0.47% |
0.50%
+7.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Top 7% in tier |
| Tier 1 Capital Ratio ? |
20.84%
+12.1% YoY
+0.2% QoQ
|
+7.29% |
13.55%
+1.8% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.89%
+34.5% YoY
+31.6% QoQ
|
-0.06% |
0.96%
+7.1% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 5%
in Mid-Market
Why this stands out
Current:
0.03%
(Tier avg: 0.68%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 6%
in Mid-Market
Why this stands out
Current:
104.82%
(Tier avg: 85.47%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 7%
in Mid-Market
Why this stands out
Current:
0.03%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 5%
in Mid-Market
Why this stands out
Current:
20.84%
(Tier avg: 13.55%, National avg: 9.75%)
Concerns (3)
Credit Quality Pressure
risk
#1 of 113 · Bottom 1% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.03%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
Liquidity Overhang
risk
#2 of 26 · Bottom 4% in Mid-Market
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
20.84%
(Tier: 13.55%, National: 9.75%)
Loan-to-Deposit Ratio:
104.82%
(Tier: 85.47%, National: 78.04%)
26 of 26 Mid-Market banks match
·
314 nationally
→ Stable
+6 banks QoQ
Credit Risk Growth
risk
#35 of 87 · Bottom 40% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
95
95th pctile
Tier 1 Capital Ratio
Current: 20.84% · Tier avg: 13.55%
95
95th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.68%
94
94th pctile
Loan-to-Deposit Ratio
Current: 104.82% · Tier avg: 85.47%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
73
73th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.96%
31
31th pctile
Efficiency Ratio
Current: 61.53% · Tier avg: 56.60%
22
22th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.16%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 12.22% · Tier avg: 20.64%
18
18th pctile
Total Loans
Current: $4.1B · Tier avg: $7.1B
10
10th pctile
Net Interest Margin
Current: 2.25% · Tier avg: 3.40%
3
3th pctile
Total Deposits
Current: $3.9B · Tier avg: $8.5B
1
1th pctile
Total Assets
Current: $5.0B · Tier avg: $10.5B
Top Weaknesses
1
1th pctile
Total Assets
Current: $5.0B · Tier avg: $10.5B
3
3th pctile
Total Deposits
Current: $3.9B · Tier avg: $8.5B
10
10th pctile
Net Interest Margin
Current: 2.25% · Tier avg: 3.40%
18
18th pctile
Total Loans
Current: $4.1B · Tier avg: $7.1B
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 12.22% · Tier avg: 20.64%
22
22th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.16%
31
31th pctile
Efficiency Ratio
Current: 61.53% · Tier avg: 56.60%
73
73th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.96%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
94
94th pctile
Loan-to-Deposit Ratio
Current: 104.82% · Tier avg: 85.47%
95
95th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.68%
95
95th pctile
Tier 1 Capital Ratio
Current: 20.84% · Tier avg: 13.55%