BlastPoint's Banking Scorecard
Bankesb
Community
Specialty: Commercial
MA
FDIC cert 90188
Easthampton, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Bankesb faces 2 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 3% in Community
- - Return on Assets 1.10% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+0.2% YoY
-1.3% QoQ
|
+$606.2M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$1.6B
-2.8% YoY
-1.8% QoQ
|
+$639.4M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$1.7B
+3.7% YoY
+0.3% QoQ
|
+$575.6M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
0.06%
-89.2% YoY
-89.9% QoQ
|
-1.10% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
2.99%
+16.3% YoY
+1.9% QoQ
|
-0.68% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
64.97%
-4.6% YoY
-3.2% QoQ
|
+2.34% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
0.87%
-66.1% YoY
-59.9% QoQ
|
+0.24% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
92.80%
-6.3% YoY
-2.1% QoQ
|
+9.74% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
10.94%
+4.2% YoY
+0.5% QoQ
|
-10.11% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.71%
-67.1% YoY
-60.1% QoQ
|
+0.21% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
11.53%
+2.5% YoY
-2.9% QoQ
|
+1.29% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.52%
+8.8% YoY
+39.8% QoQ
|
-0.22% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#18 of 513 · Bottom 3% 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:
92.80%
(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 3%
in Community
Why this stands out
Current:
0.06%
(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
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
51
51th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
42
42th pctile
Tier 1 Capital Ratio
Current: 11.53% · Tier avg: 10.24%
41
41th pctile
Efficiency Ratio
Current: 64.97% · Tier avg: 62.63%
30
30th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.63%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.50%
28
28th pctile
Loan-to-Deposit Ratio
Current: 92.80% · Tier avg: 83.06%
17
17th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.94% · Tier avg: 21.05%
3
3th pctile
Return on Assets
Current: 0.06% · Tier avg: 1.16%
Top Weaknesses
3
3th pctile
Return on Assets
Current: 0.06% · Tier avg: 1.16%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.94% · Tier avg: 21.05%
17
17th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
28
28th pctile
Loan-to-Deposit Ratio
Current: 92.80% · Tier avg: 83.06%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.50%
30
30th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.63%
41
41th pctile
Efficiency Ratio
Current: 64.97% · Tier avg: 62.63%
42
42th pctile
Tier 1 Capital Ratio
Current: 11.53% · Tier avg: 10.24%
51
51th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M