BlastPoint's Banking Scorecard
Eagle Bank
Community
Specialty: Commercial
MA
FDIC cert 90191
Everett, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Eagle Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 19% in Community
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 60% in Community
- - Return on Assets 0.79% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$687.5M
+9.2% YoY
+4.2% QoQ
|
-$703.9M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$545.0M
+8.4% YoY
+5.1% QoQ
|
-$430.5M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$606.2M
+13.2% YoY
+4.3% QoQ
|
-$558.4M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
0.38%
+141.4% YoY
-3.6% QoQ
|
-0.79% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
3.29%
+20.0% YoY
+0.3% QoQ
|
-0.37% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
84.27%
-10.1% YoY
+0.4% QoQ
|
+21.64% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.13%
-3.3% YoY
+131.2% QoQ
|
-0.50% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
89.91%
-4.3% YoY
+0.8% QoQ
|
+6.85% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
17.30%
-1.4% YoY
+0.3% QoQ
|
-3.75% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.10%
-4.0% YoY
+133.1% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
78% |
| 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 ? |
0.23%
-7.4% YoY
+35.7% QoQ
|
-0.51% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#72 of 371 · Top 19% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.13%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (2)
Efficiency Drag
risk
#92 of 152 · Bottom 60% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
84.27%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.38%
(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
79
79th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
36
36th pctile
Total Loans
Current: $545.0M · Tier avg: $975.5M
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.30% · Tier avg: 21.05%
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.91% · Tier avg: 83.06%
30
30th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Total Deposits
Current: $606.2M · Tier avg: $1.2B
26
26th pctile
Total Assets
Current: $687.5M · Tier avg: $1.4B
14
14th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
8
8th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.16%
7
7th pctile
Efficiency Ratio
Current: 84.27% · Tier avg: 62.63%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 84.27% · Tier avg: 62.63%
8
8th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.16%
14
14th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
26
26th pctile
Total Assets
Current: $687.5M · Tier avg: $1.4B
29
29th pctile
Total Deposits
Current: $606.2M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.91% · Tier avg: 83.06%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.30% · Tier avg: 21.05%
36
36th pctile
Total Loans
Current: $545.0M · Tier avg: $975.5M
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
79
79th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%