BlastPoint's Banking Scorecard
Clinton Savings Bank
Community
Specialty: Commercial
MA
FDIC cert 90181
Clinton, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Clinton 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
- - Liquidity Strain: Bottom 4% in Community
- - Efficiency Drag: Bottom 11% in Community
- - Deposit Outflow: Bottom 12% in Community
- - Capital Constraint: Bottom 28% in Community
- - Return on Assets 1.87% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$743.0M
+0.1% YoY
-0.6% QoQ
|
-$648.4M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$521.5M
-1.4% YoY
-0.7% QoQ
|
-$454.0M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$570.8M
-5.6% YoY
+0.9% QoQ
|
-$593.8M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
-0.71%
-285.0% YoY
-273.2% QoQ
|
-1.87% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
2.75%
+10.8% YoY
+2.2% QoQ
|
-0.92% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
93.58%
-3.4% YoY
+1.8% QoQ
|
+30.95% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
1.60%
-44.0% YoY
-50.9% QoQ
|
+0.97% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
91.36%
+4.4% YoY
-1.6% QoQ
|
+8.30% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
11.28%
-5.3% YoY
-4.9% QoQ
|
-9.77% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
1.35%
-33.9% YoY
-48.1% QoQ
|
+0.85% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
13.91%
-5.9% YoY
-3.7% QoQ
|
+3.67% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.34%
+18.8% YoY
+29.0% QoQ
|
-0.40% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Liquidity Strain
risk
#22 of 513 · Bottom 4% 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:
91.36%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#17 of 152 · Bottom 11% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
93.58%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#31 of 248 · Bottom 12% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Capital Constraint
risk
#14 of 47 · Bottom 28% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
91.36%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
13.91%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-0.71%
(Tier avg: 1.16%, National avg: 1.12%)
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
68
68th pctile
Loan-to-Deposit Ratio
Current: 91.36% · Tier avg: 83.06%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.91% · Tier avg: 10.24%
34
34th pctile
Total Loans
Current: $521.5M · Tier avg: $975.5M
31
31th pctile
Total Assets
Current: $743.0M · Tier avg: $1.4B
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
24
24th pctile
Total Deposits
Current: $570.8M · Tier avg: $1.2B
14
14th pctile
Delinquency Rate
Current: 1.60% · Tier avg: 0.63%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.28% · Tier avg: 21.05%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.35% · Tier avg: 0.50%
10
10th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.66%
2
2th pctile
Efficiency Ratio
Current: 93.58% · Tier avg: 62.63%
1
1th pctile
Return on Assets
Current: -0.71% · Tier avg: 1.16%
Top Weaknesses
1
1th pctile
Return on Assets
Current: -0.71% · Tier avg: 1.16%
2
2th pctile
Efficiency Ratio
Current: 93.58% · Tier avg: 62.63%
10
10th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.66%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.35% · Tier avg: 0.50%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.28% · Tier avg: 21.05%
14
14th pctile
Delinquency Rate
Current: 1.60% · Tier avg: 0.63%
24
24th pctile
Total Deposits
Current: $570.8M · Tier avg: $1.2B
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
31
31th pctile
Total Assets
Current: $743.0M · Tier avg: $1.4B
34
34th pctile
Total Loans
Current: $521.5M · Tier avg: $975.5M
67
67th pctile
Tier 1 Capital Ratio
Current: 13.91% · Tier avg: 10.24%
68
68th pctile
Loan-to-Deposit Ratio
Current: 91.36% · Tier avg: 83.06%