BlastPoint's Banking Scorecard
North Easton Savings Bank
Community
Specialty: Commercial
MA
FDIC cert 90259
South Easton, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
North Easton Savings Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 16% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+3.5% YoY
+0.1% QoQ
|
+$367.1M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$1.3B
+4.4% YoY
+2.1% QoQ
|
+$349.6M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$1.5B
+1.6% YoY
+1.1% QoQ
|
+$375.1M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
0.68%
+10.7% YoY
-2.9% QoQ
|
-0.48% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
2.95%
+5.2% YoY
+1.0% QoQ
|
-0.72% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
75.11%
-11.1% YoY
+2.1% QoQ
|
+12.48% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
0.72%
+12.2% YoY
+36.1% QoQ
|
+0.09% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
86.06%
+2.8% YoY
+1.0% QoQ
|
+3.00% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
15.73%
-1.1% YoY
+1.0% QoQ
|
-5.32% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.54%
+13.3% YoY
+38.9% QoQ
|
+0.04% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
13.02%
+2.4% YoY
+0.3% QoQ
|
+2.77% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.68%
-9.9% YoY
+30.1% QoQ
|
-0.06% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#104 of 642 · Bottom 16% 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
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
78
78th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
77
77th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
75
75th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
58
58th pctile
Tier 1 Capital Ratio
Current: 13.02% · Tier avg: 10.24%
46
46th pctile
Loan-to-Deposit Ratio
Current: 86.06% · Tier avg: 83.06%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
35
35th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.63%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.73% · Tier avg: 21.05%
18
18th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.16%
17
17th pctile
Efficiency Ratio
Current: 75.11% · Tier avg: 62.63%
16
16th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.66%
Top Weaknesses
16
16th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.66%
17
17th pctile
Efficiency Ratio
Current: 75.11% · Tier avg: 62.63%
18
18th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.16%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.73% · Tier avg: 21.05%
35
35th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.63%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
46
46th pctile
Loan-to-Deposit Ratio
Current: 86.06% · Tier avg: 83.06%
58
58th pctile
Tier 1 Capital Ratio
Current: 13.02% · Tier avg: 10.24%
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
75
75th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
77
77th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
78
78th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M