BlastPoint's Banking Scorecard
The Bank of Canton
Community
Specialty: Commercial
MA
FDIC cert 90175
Canton, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
The Bank of Canton has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.62% below tier
- + Nonperforming Asset Ratio 0.49% below tier
- + Tier 1 Capital Ratio 12.10% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 26% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$762.3M
+3.7% YoY
-2.1% QoQ
|
-$629.2M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$539.5M
+3.2% YoY
+2.4% QoQ
|
-$436.0M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$643.3M
+3.9% YoY
-2.8% QoQ
|
-$521.3M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
0.85%
-9.1% YoY
+4.0% QoQ
|
-0.32% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
3.84%
-2.4% YoY
-0.2% QoQ
|
+0.17% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
74.21%
+4.0% YoY
-0.7% QoQ
|
+11.58% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
0.01%
-95.3% YoY
-64.3% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Top 6% in tier |
| Loan-to-Deposit Ratio ? |
83.87%
-0.7% YoY
+5.4% QoQ
|
+0.81% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
17.62%
-5.2% YoY
+0.9% QoQ
|
-3.42% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.01%
-95.3% YoY
-62.6% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Top 5% in tier |
| Tier 1 Capital Ratio ? |
22.35%
-0.7% YoY
-1.0% QoQ
|
+12.10% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.67%
+4.1% YoY
+37.2% QoQ
|
-0.07% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 5%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 4%
in Community
Why this stands out
Current:
22.35%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#70 of 268 · Bottom 26% in Community
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:
22.35%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
83.87%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
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
96
96th pctile
Tier 1 Capital Ratio
Current: 22.35% · Tier avg: 10.24%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
67
67th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.74%
62
62th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.66%
47
47th pctile
Loan-to-Deposit Ratio
Current: 83.87% · Tier avg: 83.06%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.62% · Tier avg: 21.05%
36
36th pctile
Total Loans
Current: $539.5M · Tier avg: $975.5M
33
33th pctile
Total Deposits
Current: $643.3M · Tier avg: $1.2B
32
32th pctile
Total Assets
Current: $762.3M · Tier avg: $1.4B
28
28th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
18
18th pctile
Efficiency Ratio
Current: 74.21% · Tier avg: 62.63%
Top Weaknesses
18
18th pctile
Efficiency Ratio
Current: 74.21% · Tier avg: 62.63%
28
28th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
32
32th pctile
Total Assets
Current: $762.3M · Tier avg: $1.4B
33
33th pctile
Total Deposits
Current: $643.3M · Tier avg: $1.2B
36
36th pctile
Total Loans
Current: $539.5M · Tier avg: $975.5M
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.62% · Tier avg: 21.05%
47
47th pctile
Loan-to-Deposit Ratio
Current: 83.87% · Tier avg: 83.06%
62
62th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.66%
67
67th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.74%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.35% · Tier avg: 10.24%