BlastPoint's Banking Scorecard
Monson Savings Bank
Community
Specialty: Commercial
MA
FDIC cert 90245
Monson, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Monson Savings Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 38% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 50% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$753.7M
+5.3% YoY
+0.8% QoQ
|
-$637.8M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$623.1M
+11.7% YoY
+3.4% QoQ
|
-$352.4M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$652.1M
+1.8% YoY
-2.8% QoQ
|
-$512.5M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
0.85%
+16.5% YoY
+1.6% QoQ
|
-0.31% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
3.36%
+10.6% YoY
+2.1% QoQ
|
-0.31% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
67.86%
-7.2% YoY
-1.5% QoQ
|
+5.23% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.08%
-27.5% YoY
-17.9% QoQ
|
-0.55% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
95.54%
+9.7% YoY
+6.3% QoQ
|
+12.48% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
20.32%
+0.7% YoY
-1.9% QoQ
|
-0.73% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.06%
-23.0% YoY
-15.8% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
84% |
| 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 ? |
0.55%
-6.6% YoY
+38.6% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#143 of 371 · Top 38% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (1)
Capital Thin
risk
#216 of 432 · Bottom 50% 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
|
QoQ rank declining
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
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
78
78th pctile
Loan-to-Deposit Ratio
Current: 95.54% · Tier avg: 83.06%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.32% · Tier avg: 21.05%
43
43th pctile
Total Loans
Current: $623.1M · Tier avg: $975.5M
34
34th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.66%
33
33th pctile
Total Deposits
Current: $652.1M · Tier avg: $1.2B
32
32th pctile
Efficiency Ratio
Current: 67.86% · Tier avg: 62.63%
31
31th pctile
Total Assets
Current: $753.7M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
Top Weaknesses
28
28th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Total Assets
Current: $753.7M · Tier avg: $1.4B
32
32th pctile
Efficiency Ratio
Current: 67.86% · Tier avg: 62.63%
33
33th pctile
Total Deposits
Current: $652.1M · Tier avg: $1.2B
34
34th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.66%
43
43th pctile
Total Loans
Current: $623.1M · Tier avg: $975.5M
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.32% · Tier avg: 21.05%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
78
78th pctile
Loan-to-Deposit Ratio
Current: 95.54% · Tier avg: 83.06%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%