BlastPoint's Banking Scorecard
East Cambridge Savings Bank
Community
Specialty: Commercial
MA
FDIC cert 90173
Designations: ✓ Mutual
Cambridge, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
East Cambridge Savings Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 4% in Community
- - Liquidity Strain: Bottom 17% in Community
- - Efficiency Drag: Bottom 46% in Community
- - Return on Assets 0.82% below tier
- - Net Interest Margin 1.26% 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
-0.2% YoY
+0.9% QoQ
|
+$248.6M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$1.3B
-0.9% YoY
+0.2% QoQ
|
+$317.5M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$1.3B
+0.9% YoY
+1.9% QoQ
|
+$152.7M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
0.35%
+123.8% YoY
+8.2% QoQ
|
-0.82% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
2.40%
+13.9% YoY
+0.7% QoQ
|
-1.26% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
82.66%
-8.7% YoY
-0.4% QoQ
|
+20.03% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.13%
-69.7% YoY
-9.2% QoQ
|
-0.50% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
98.16%
-1.8% YoY
-1.6% QoQ
|
+15.09% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
11.78%
-2.0% YoY
-1.2% QoQ
|
-9.27% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? |
0.10%
-70.4% YoY
-14.4% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
14.13%
+1.9% YoY
+0.0% QoQ
|
+3.88% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.33%
+8.4% YoY
+45.9% QoQ
|
-0.41% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Flatlined Growth
risk
#11 of 245 · Bottom 4% 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:
0.35%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#86 of 513 · Bottom 17% 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:
98.16%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#71 of 152 · Bottom 46% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
82.66%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.35%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 4%
in Community
Why this stands out
Current:
2.40%
(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
79
79th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
74
74th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
69
69th pctile
Tier 1 Capital Ratio
Current: 14.13% · Tier avg: 10.24%
27
27th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
17
17th pctile
Loan-to-Deposit Ratio
Current: 98.16% · Tier avg: 83.06%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.78% · Tier avg: 21.05%
8
8th pctile
Efficiency Ratio
Current: 82.66% · Tier avg: 62.63%
7
7th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.16%
4
4th pctile
Net Interest Margin
Current: 2.40% · Tier avg: 3.66%
Top Weaknesses
4
4th pctile
Net Interest Margin
Current: 2.40% · Tier avg: 3.66%
7
7th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.16%
8
8th pctile
Efficiency Ratio
Current: 82.66% · Tier avg: 62.63%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.78% · Tier avg: 21.05%
17
17th pctile
Loan-to-Deposit Ratio
Current: 98.16% · Tier avg: 83.06%
27
27th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.13% · Tier avg: 10.24%
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
74
74th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
79
79th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%