BlastPoint's Banking Scorecard
Pentucket Bank
Community
Specialty: Commercial
MA
FDIC cert 90208
Haverhill, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Pentucket Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 37% in Community
- - Liquidity Strain: Bottom 45% in Community
- - Efficiency Drag: Bottom 54% in Community
- - Return on Assets 0.81% below tier
- - Net Interest Margin 1.07% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+3.4% YoY
+0.2% QoQ
|
-$278.9M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$888.9M
+3.5% YoY
+0.5% QoQ
|
-$86.6M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$880.2M
+5.0% YoY
+0.6% QoQ
|
-$284.4M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
0.35%
+9.1% YoY
+0.8% QoQ
|
-0.81% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
2.60%
+8.9% YoY
+2.0% QoQ
|
-1.07% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
89.68%
-1.2% YoY
-0.5% QoQ
|
+27.05% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
0.72%
-3.4% YoY
+1.8% QoQ
|
+0.09% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
100.99%
-1.4% YoY
-0.1% QoQ
|
+17.92% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.94%
-5.0% YoY
-4.7% QoQ
|
-7.11% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.57%
-3.3% YoY
+2.1% QoQ
|
+0.07% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
34% |
| 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 ? |
0.29%
-24.8% YoY
+41.1% QoQ
|
-0.45% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Capital Thin
risk
#159 of 432 · Bottom 37% 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
Liquidity Strain
risk
#232 of 513 · Bottom 45% 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:
100.99%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#83 of 152 · Bottom 54% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
89.68%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
Return on Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.35%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 8%
in Community
Why this stands out
Current:
2.60%
(Tier avg: 3.66%, National avg: 3.75%)
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
63
63th pctile
Total Loans
Current: $888.9M · Tier avg: $975.5M
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
52
52th pctile
Total Deposits
Current: $880.2M · Tier avg: $1.2B
35
35th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.63%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 13.94% · Tier avg: 21.05%
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
11
11th pctile
Loan-to-Deposit Ratio
Current: 100.99% · Tier avg: 83.06%
8
8th pctile
Net Interest Margin
Current: 2.60% · Tier avg: 3.66%
7
7th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.16%
3
3th pctile
Efficiency Ratio
Current: 89.68% · Tier avg: 62.63%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 89.68% · Tier avg: 62.63%
7
7th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.16%
8
8th pctile
Net Interest Margin
Current: 2.60% · Tier avg: 3.66%
11
11th pctile
Loan-to-Deposit Ratio
Current: 100.99% · Tier avg: 83.06%
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 13.94% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.50%
35
35th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.63%
52
52th pctile
Total Deposits
Current: $880.2M · Tier avg: $1.2B
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
63
63th pctile
Total Loans
Current: $888.9M · Tier avg: $975.5M