BlastPoint's Banking Scorecard
Washington Savings Bank
Micro
Specialty: Mortgage
MA
FDIC cert 90229
Designations: ✓ Community bank ✓ Mutual
Lowell, MA
2498
banks in Micro tier nationally
21 in MA
View Micro leaderboard (MA) →
Washington Savings Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.94% below tier
- - Net Interest Margin 1.41% below tier
- - Efficiency Ratio 25.01% above tier
- - Loan-to-Deposit Ratio 24.64% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$305.9M
+5.6% YoY
+3.1% QoQ
|
+$88.4M |
$217.5M
+2.3% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$238.6M
+2.3% YoY
+1.0% QoQ
|
+$99.5M |
$139.2M
+2.8% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$240.7M
+4.5% YoY
+3.8% QoQ
|
+$57.0M |
$183.7M
+1.8% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
0.14%
+262.2% YoY
+52.5% QoQ
|
-0.94% |
1.08%
+14.7% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.44%
+8.5% YoY
+2.4% QoQ
|
-1.41% |
3.85%
+6.6% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
92.73%
-6.3% YoY
-2.3% QoQ
|
+25.01% |
67.73%
-4.8% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.32%
-5.7% YoY
-15.7% QoQ
|
-0.32% |
0.64%
+24.4% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
99.16%
-2.1% YoY
-2.7% QoQ
|
+24.64% |
74.53%
+0.5% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.06%
-8.4% YoY
+2.4% QoQ
|
-10.33% |
22.39%
-1.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.25%
-8.7% YoY
-17.4% QoQ
|
-0.20% |
0.45%
+25.1% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
16.57%
-1.4% YoY
-0.6% QoQ
|
+7.71% |
8.85%
-3.4% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.29%
-4.9% YoY
+32.1% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.14%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.44%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
92.73%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
99.16%
(Tier avg: 74.53%, National avg: 78.04%)
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: $238.6M · Tier avg: $139.2M
78
78th pctile
Tier 1 Capital Ratio
Current: 16.57% · Tier avg: 8.85%
73
73th pctile
Total Assets
Current: $305.9M · Tier avg: $217.5M
69
69th pctile
Total Deposits
Current: $240.7M · Tier avg: $183.7M
54
54th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.64%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.06% · Tier avg: 22.39%
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.16% · Tier avg: 74.53%
9
9th pctile
Return on Assets
Current: 0.14% · Tier avg: 1.08%
8
8th pctile
Efficiency Ratio
Current: 92.73% · Tier avg: 67.73%
5
5th pctile
Net Interest Margin
Current: 2.44% · Tier avg: 3.85%
Top Weaknesses
5
5th pctile
Net Interest Margin
Current: 2.44% · Tier avg: 3.85%
8
8th pctile
Efficiency Ratio
Current: 92.73% · Tier avg: 67.73%
9
9th pctile
Return on Assets
Current: 0.14% · Tier avg: 1.08%
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.16% · Tier avg: 74.53%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.06% · Tier avg: 22.39%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
54
54th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.64%
69
69th pctile
Total Deposits
Current: $240.7M · Tier avg: $183.7M
73
73th pctile
Total Assets
Current: $305.9M · Tier avg: $217.5M
78
78th pctile
Tier 1 Capital Ratio
Current: 16.57% · Tier avg: 8.85%
83
83th pctile
Total Loans
Current: $238.6M · Tier avg: $139.2M