BlastPoint's Banking Scorecard
Martha's Vineyard Bank
Community
Specialty: Mortgage
MA
FDIC cert 90190
Edgartown, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Martha's Vineyard Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 15% in Community
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 5% in Community
- - Capital Thin: Bottom 7% in Community
- - Credit Quality Pressure: Bottom 10% in Community
- - Liquidity Strain: Bottom 38% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
-1.9% YoY
-0.9% QoQ
|
-$107.5M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$1.1B
-1.6% YoY
-0.8% QoQ
|
+$134.9M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$1.0B
+0.7% YoY
-5.9% QoQ
|
-$126.1M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
0.66%
+140.8% YoY
+11.3% QoQ
|
-0.50% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
2.89%
+24.6% YoY
+4.1% QoQ
|
-0.78% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
74.58%
-13.5% YoY
-0.5% QoQ
|
+11.95% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
0.07%
+620.1% YoY
-87.2% QoQ
|
-0.56% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Top 15% in tier |
| Loan-to-Deposit Ratio ? |
106.93%
-2.3% YoY
+5.4% QoQ
|
+23.87% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.90%
+2.3% YoY
-7.6% QoQ
|
+3.85% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.06%
+621.9% YoY
-87.2% QoQ
|
-0.44% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
85% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.56%
+4.9% YoY
+35.8% QoQ
|
-0.18% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#58 of 371 · Top 15% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.07%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (4)
Flatlined Growth
risk
#13 of 245 · Bottom 5% 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:
0.66%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#33 of 432 · Bottom 7% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#82 of 808 · Bottom 10% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.07%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#198 of 513 · Bottom 38% 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:
106.93%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
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
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 24.90% · Tier avg: 21.05%
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
57
57th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
18
18th pctile
Efficiency Ratio
Current: 74.58% · Tier avg: 62.63%
18
18th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.16%
14
14th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.66%
5
5th pctile
Loan-to-Deposit Ratio
Current: 106.93% · Tier avg: 83.06%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 106.93% · Tier avg: 83.06%
14
14th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.66%
18
18th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.16%
18
18th pctile
Efficiency Ratio
Current: 74.58% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
57
57th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.74%
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 24.90% · Tier avg: 21.05%
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%