BlastPoint's Banking Scorecard
Cape Ann Savings Bank
Community
Specialty: Mortgage
MA
FDIC cert 90203
Designations: ✓ Mutual
Gloucester, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Cape Ann Savings Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 16.91% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 6% in Community
- - Credit Risk Growth: Bottom 19% in Community
- - Liquidity Strain: Bottom 21% in Community
- - Net Interest Margin 1.21% below tier
- - Non-Interest-Bearing Deposit Share 13.82% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+4.7% YoY
+0.8% QoQ
|
-$352.4M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$720.0M
+5.1% YoY
+1.1% QoQ
|
-$255.4M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$782.7M
+3.7% YoY
+1.2% QoQ
|
-$381.9M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.09%
+60.4% YoY
-19.7% QoQ
|
-0.08% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
2.46%
+32.1% YoY
+2.6% QoQ
|
-1.21% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
65.24%
-22.5% YoY
-0.7% QoQ
|
+2.61% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.54%
+13.3% YoY
+27.4% QoQ
|
-0.09% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
92.00%
+1.4% YoY
-0.1% QoQ
|
+8.94% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
7.23%
+2.7% YoY
-5.4% QoQ
|
-13.82% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.38%
+13.7% YoY
+27.8% QoQ
|
-0.12% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
27.16%
+0.7% YoY
+0.1% QoQ
|
+16.91% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.49%
+4.6% YoY
+32.9% QoQ
|
-0.25% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 2%
in Community
Why this stands out
Current:
27.16%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (5)
Liquidity Overhang
risk
#16 of 268 · Bottom 6% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
27.16%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
92.00%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Credit Risk Growth
risk
#120 of 642 · Bottom 19% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Strain
risk
#106 of 513 · Bottom 21% 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:
92.00%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 5%
in Community
Why this stands out
Current:
2.46%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Community
Why this stands out
Current:
7.23%
(Tier avg: 21.05%, National avg: 21.79%)
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
98
98th pctile
Tier 1 Capital Ratio
Current: 27.16% · Tier avg: 10.24%
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
51
51th pctile
Total Loans
Current: $720.0M · Tier avg: $975.5M
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
47
47th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.74%
46
46th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.16%
45
45th pctile
Total Deposits
Current: $782.7M · Tier avg: $1.2B
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.63%
40
40th pctile
Efficiency Ratio
Current: 65.24% · Tier avg: 62.63%
30
30th pctile
Loan-to-Deposit Ratio
Current: 92.00% · Tier avg: 83.06%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.23% · Tier avg: 21.05%
5
5th pctile
Net Interest Margin
Current: 2.46% · Tier avg: 3.66%
Top Weaknesses
5
5th pctile
Net Interest Margin
Current: 2.46% · Tier avg: 3.66%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.23% · Tier avg: 21.05%
30
30th pctile
Loan-to-Deposit Ratio
Current: 92.00% · Tier avg: 83.06%
40
40th pctile
Efficiency Ratio
Current: 65.24% · Tier avg: 62.63%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.63%
45
45th pctile
Total Deposits
Current: $782.7M · Tier avg: $1.2B
46
46th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.16%
47
47th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.74%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
51
51th pctile
Total Loans
Current: $720.0M · Tier avg: $975.5M
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
98
98th pctile
Tier 1 Capital Ratio
Current: 27.16% · Tier avg: 10.24%