BlastPoint's Banking Scorecard
New Valley Bank & Trust
Micro
Specialty: Commercial
MA
FDIC cert 59143
Designations: ✓ Community bank
Springfield, MA
2498
banks in Micro tier nationally
21 in MA
View Micro leaderboard (MA) →
New Valley Bank & Trust faces 3 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 1.10% below tier
- - Delinquency Rate 2.50% above tier
- - Nonperforming Asset Ratio 1.93% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$339.0M
+4.3% YoY
-7.4% QoQ
|
+$121.5M |
$217.5M
+2.3% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$257.4M
+3.2% YoY
+1.3% QoQ
|
+$118.2M |
$139.2M
+2.8% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$274.8M
+1.1% YoY
-8.5% QoQ
|
+$91.1M |
$183.7M
+1.8% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
-0.02%
+96.6% YoY
+90.4% QoQ
|
-1.10% |
1.08%
+14.7% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
3.35%
+26.5% YoY
-1.4% QoQ
|
-0.50% |
3.85%
+6.6% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
84.87%
-10.7% YoY
-0.4% QoQ
|
+17.15% |
67.73%
-4.8% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
3.14%
+9.2% YoY
-7.8% QoQ
|
+2.50% |
0.64%
+24.4% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
93.67%
+2.1% YoY
+10.8% QoQ
|
+19.14% |
74.53%
+0.5% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
9.85%
+13.1% YoY
+33.4% QoQ
|
-12.54% |
22.39%
-1.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
2.38%
+8.1% YoY
+0.8% QoQ
|
+1.93% |
0.45%
+25.1% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
10.42%
-1.6% YoY
+0.9% QoQ
|
+1.57% |
8.85%
-3.4% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.20%
+0.2% YoY
+43.0% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.02%
(Tier avg: 1.08%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 6%
in Micro
Why this stands out
Current:
3.14%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.38%
(Tier avg: 0.45%, National avg: 0.48%)
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
86
86th pctile
Total Loans
Current: $257.4M · Tier avg: $139.2M
84
84th pctile
Loan-to-Deposit Ratio
Current: 93.67% · Tier avg: 74.53%
79
79th pctile
Total Assets
Current: $339.0M · Tier avg: $217.5M
76
76th pctile
Total Deposits
Current: $274.8M · Tier avg: $183.7M
53
53th pctile
Tier 1 Capital Ratio
Current: 10.42% · Tier avg: 8.85%
28
28th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.85%
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
14
14th pctile
Efficiency Ratio
Current: 84.87% · Tier avg: 67.73%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 9.85% · Tier avg: 22.39%
6
6th pctile
Delinquency Rate
Current: 3.14% · Tier avg: 0.64%
6
6th pctile
Return on Assets
Current: -0.02% · Tier avg: 1.08%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.38% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.38% · Tier avg: 0.45%
6
6th pctile
Return on Assets
Current: -0.02% · Tier avg: 1.08%
6
6th pctile
Delinquency Rate
Current: 3.14% · Tier avg: 0.64%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 9.85% · Tier avg: 22.39%
14
14th pctile
Efficiency Ratio
Current: 84.87% · Tier avg: 67.73%
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
28
28th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.85%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.42% · Tier avg: 8.85%
76
76th pctile
Total Deposits
Current: $274.8M · Tier avg: $183.7M
79
79th pctile
Total Assets
Current: $339.0M · Tier avg: $217.5M
84
84th pctile
Loan-to-Deposit Ratio
Current: 93.67% · Tier avg: 74.53%
86
86th pctile
Total Loans
Current: $257.4M · Tier avg: $139.2M