BlastPoint's Banking Scorecard
Middlesex Savings Bank
Mid-Market
Specialty: Commercial
MA
FDIC cert 90183
Natick, MA
201
banks in Mid-Market tier nationally
9 in MA
View Mid-Market leaderboard (MA) →
Middlesex Savings Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 18% in Mid-Market
- + Tier 1 Capital Ratio 4.34% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 5% in Mid-Market
- - Credit Quality Pressure: Bottom 15% in Mid-Market
- - Flatlined Growth: Bottom 23% in Mid-Market
- - Efficiency Ratio 17.86% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.2B
+1.3% YoY
+0.7% QoQ
|
-$4.3B |
$10.5B
+2.9% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$3.6B
+1.3% YoY
+2.4% QoQ
|
-$3.5B |
$7.1B
+4.5% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$5.2B
-0.1% YoY
+0.1% QoQ
|
-$3.3B |
$8.5B
+3.0% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
0.54%
+168.6% YoY
+3.2% QoQ
|
-0.62% |
1.16%
+9.4% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
2.36%
+21.4% YoY
+3.1% QoQ
|
-1.03% |
3.40%
+7.9% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
74.47%
-17.0% YoY
-0.6% QoQ
|
+17.86% |
56.60%
-3.2% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.20%
+126.8% YoY
-4.9% QoQ
|
-0.49% |
0.68%
+12.0% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Top 14% in tier |
| Loan-to-Deposit Ratio ? |
69.44%
+1.4% YoY
+2.4% QoQ
|
-16.03% |
85.47%
+1.1% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.08%
-0.9% YoY
+0.4% QoQ
|
+3.44% |
20.64%
-0.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.12%
+126.7% YoY
-3.3% QoQ
|
-0.38% |
0.50%
+7.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Top 14% in tier |
| Tier 1 Capital Ratio ? |
17.89%
+5.1% YoY
-0.5% QoQ
|
+4.34% |
13.55%
+1.8% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.32%
+19.9% YoY
+26.9% QoQ
|
-0.63% |
0.96%
+7.1% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#10 of 50 · Top 18% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.20%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Tier 1 Capital Ratio
metric
Top 8%
in Mid-Market
Why this stands out
Current:
17.89%
(Tier avg: 13.55%, National avg: 9.75%)
Concerns (4)
Credit Risk Growth
risk
#5 of 87 · Bottom 5% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#18 of 113 · Bottom 15% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.20%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#11 of 44 · Bottom 23% in Mid-Market
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:
0.54%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Efficiency Ratio
metric
Bottom 10%
in Mid-Market
Why this stands out
Current:
74.47%
(Tier avg: 56.60%, National avg: 65.09%)
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
92
92th pctile
Tier 1 Capital Ratio
Current: 17.89% · Tier avg: 13.55%
86
86th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.68%
86
86th pctile
Loan-to-Deposit Ratio
Current: 69.44% · Tier avg: 85.47%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 24.08% · Tier avg: 20.64%
24
24th pctile
Total Deposits
Current: $5.2B · Tier avg: $8.5B
21
21th pctile
Total Assets
Current: $6.2B · Tier avg: $10.5B
19
19th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.96%
16
16th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.16%
13
13th pctile
Net Interest Margin
Current: 2.36% · Tier avg: 3.40%
12
12th pctile
Total Loans
Current: $3.6B · Tier avg: $7.1B
10
10th pctile
Efficiency Ratio
Current: 74.47% · Tier avg: 56.60%
Top Weaknesses
10
10th pctile
Efficiency Ratio
Current: 74.47% · Tier avg: 56.60%
12
12th pctile
Total Loans
Current: $3.6B · Tier avg: $7.1B
13
13th pctile
Net Interest Margin
Current: 2.36% · Tier avg: 3.40%
16
16th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.16%
19
19th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.96%
21
21th pctile
Total Assets
Current: $6.2B · Tier avg: $10.5B
24
24th pctile
Total Deposits
Current: $5.2B · Tier avg: $8.5B
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 24.08% · Tier avg: 20.64%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
86
86th pctile
Loan-to-Deposit Ratio
Current: 69.44% · Tier avg: 85.47%
86
86th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.68%
92
92th pctile
Tier 1 Capital Ratio
Current: 17.89% · Tier avg: 13.55%