BlastPoint's Banking Scorecard
Bluestone Bank
Community
Specialty: Commercial
MA
FDIC cert 90169
Raynham, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Bluestone Bank has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 12% in Community
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 9% in Community
- - Credit Quality Pressure: Bottom 10% in Community
- - Capital Thin: Bottom 16% in Community
- - Credit Risk Growth: Bottom 18% in Community
- - Liquidity Strain: Bottom 34% in Community
- - Return on Assets 0.73% below tier
- - Net Interest Margin 1.20% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+0.4% YoY
-0.1% QoQ
|
+$187.5M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$1.2B
+5.3% YoY
+0.2% QoQ
|
+$225.4M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$1.3B
-1.4% YoY
+0.8% QoQ
|
+$88.8M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
0.43%
+43.0% YoY
+12.6% QoQ
|
-0.73% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.47%
+12.7% YoY
+2.2% QoQ
|
-1.20% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
79.28%
-8.2% YoY
-2.0% QoQ
|
+16.65% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.10%
+83.4% YoY
-21.7% QoQ
|
-0.53% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
95.81%
+6.8% YoY
-0.5% QoQ
|
+12.75% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
12.70%
+1.9% YoY
+1.3% QoQ
|
-8.34% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.08%
+92.4% YoY
-21.4% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-10.24% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.51%
+18.4% YoY
+37.7% QoQ
|
-0.23% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#47 of 371 · Top 12% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.10%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (7)
Flatlined Growth
risk
#22 of 245 · Bottom 9% 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:
0.43%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#78 of 808 · Bottom 10% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.10%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Capital Thin
risk
#72 of 432 · Bottom 16% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#119 of 642 · Bottom 18% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Strain
risk
#173 of 513 · Bottom 34% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
95.81%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.43%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 6%
in Community
Why this stands out
Current:
2.47%
(Tier avg: 3.66%, National avg: 3.75%)
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
82
82th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
81
81th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
79
79th pctile
Loan-to-Deposit Ratio
Current: 95.81% · Tier avg: 83.06%
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
69
69th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
50
50th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.70% · Tier avg: 21.05%
11
11th pctile
Efficiency Ratio
Current: 79.28% · Tier avg: 62.63%
9
9th pctile
Return on Assets
Current: 0.43% · Tier avg: 1.16%
6
6th pctile
Net Interest Margin
Current: 2.47% · Tier avg: 3.66%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.47% · Tier avg: 3.66%
9
9th pctile
Return on Assets
Current: 0.43% · Tier avg: 1.16%
11
11th pctile
Efficiency Ratio
Current: 79.28% · Tier avg: 62.63%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.70% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
50
50th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
69
69th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
79
79th pctile
Loan-to-Deposit Ratio
Current: 95.81% · Tier avg: 83.06%
81
81th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%