BlastPoint's Banking Scorecard
Main Street Bank
Community
Specialty: Commercial
MA
FDIC cert 90235
Marlborough, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Main Street Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6% in Community
- - Liquidity Overhang: Bottom 28% in Community
- - Non-Interest Income / Assets 0.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+3.5% YoY
+0.9% QoQ
|
+$279.6M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$1.3B
-4.1% YoY
-1.4% QoQ
|
+$312.2M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$1.3B
+1.0% YoY
-1.6% QoQ
|
+$158.0M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
0.63%
+28.7% YoY
-9.3% QoQ
|
-0.53% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
2.91%
+10.5% YoY
+2.7% QoQ
|
-0.76% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
72.05%
-6.9% YoY
-2.3% QoQ
|
+9.42% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.90%
+7.2% YoY
+81.1% QoQ
|
+0.28% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
97.36%
-5.0% YoY
+0.2% QoQ
|
+14.30% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
18.09%
-1.8% YoY
-3.7% QoQ
|
-2.95% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.70%
-0.6% YoY
+77.0% QoQ
|
+0.20% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
16.26%
+13.1% YoY
+2.7% QoQ
|
+6.01% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.17%
+8.7% YoY
+15.2% QoQ
|
-0.57% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Liquidity Strain
risk
#31 of 513 · Bottom 6% 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:
97.36%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Liquidity Overhang
risk
#75 of 268 · Bottom 28% 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:
16.26%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
97.36%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Non-Interest Income / Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.17%
(Tier avg: 0.74%, National avg: 0.65%)
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
84
84th pctile
Tier 1 Capital Ratio
Current: 16.26% · Tier avg: 10.24%
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
74
74th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 18.09% · Tier avg: 21.05%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.50%
28
28th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.63%
23
23th pctile
Efficiency Ratio
Current: 72.05% · Tier avg: 62.63%
18
18th pctile
Loan-to-Deposit Ratio
Current: 97.36% · Tier avg: 83.06%
16
16th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.16%
14
14th pctile
Net Interest Margin
Current: 2.91% · Tier avg: 3.66%
8
8th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
Top Weaknesses
8
8th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
14
14th pctile
Net Interest Margin
Current: 2.91% · Tier avg: 3.66%
16
16th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.16%
18
18th pctile
Loan-to-Deposit Ratio
Current: 97.36% · Tier avg: 83.06%
23
23th pctile
Efficiency Ratio
Current: 72.05% · Tier avg: 62.63%
28
28th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.63%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.50%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 18.09% · Tier avg: 21.05%
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
74
74th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
84
84th pctile
Tier 1 Capital Ratio
Current: 16.26% · Tier avg: 10.24%