BlastPoint's Banking Scorecard
Seamen's Bank
Micro
Specialty: Commercial
MA
FDIC cert 90268
Designations: ✓ Community bank ✓ Mutual
Provincetown, MA
2498
banks in Micro tier nationally
21 in MA
View Micro leaderboard (MA) →
Seamen's Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 57.79% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$467.8M
-0.0% YoY
-4.8% QoQ
|
+$250.3M |
$217.5M
+2.3% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$362.2M
+7.4% YoY
+0.4% QoQ
|
+$223.0M |
$139.2M
+2.8% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$409.6M
-0.9% YoY
-5.7% QoQ
|
+$225.9M |
$183.7M
+1.8% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
0.52%
+2.2% YoY
+16.7% QoQ
|
-0.56% |
1.08%
+14.7% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
3.70%
+4.1% YoY
+3.2% QoQ
|
-0.16% |
3.85%
+6.6% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
81.80%
+0.1% YoY
-2.7% QoQ
|
+14.07% |
67.73%
-4.8% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
0.38%
-56.5% YoY
-4.6% QoQ
|
-0.26% |
0.64%
+24.4% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
88.43%
+8.4% YoY
+6.5% QoQ
|
+13.90% |
74.53%
+0.5% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
80.19%
+312.6% YoY
+251.0% QoQ
|
+57.79% |
22.39%
-1.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.29%
-53.3% YoY
+0.6% QoQ
|
-0.16% |
0.45%
+25.1% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.18%
-9.5% YoY
+36.2% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
80.19%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 80.19% · Tier avg: 22.39%
98
98th pctile
Total Loans
Current: $362.2M · Tier avg: $139.2M
98
98th pctile
Total Deposits
Current: $409.6M · Tier avg: $183.7M
96
96th pctile
Total Assets
Current: $467.8M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.64%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.45%
44
44th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.85%
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.43% · Tier avg: 74.53%
21
21th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
19
19th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.08%
18
18th pctile
Efficiency Ratio
Current: 81.80% · Tier avg: 67.73%
Top Weaknesses
18
18th pctile
Efficiency Ratio
Current: 81.80% · Tier avg: 67.73%
19
19th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.08%
21
21th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.43% · Tier avg: 74.53%
44
44th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.85%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.45%
51
51th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
96
96th pctile
Total Assets
Current: $467.8M · Tier avg: $217.5M
98
98th pctile
Total Deposits
Current: $409.6M · Tier avg: $183.7M
98
98th pctile
Total Loans
Current: $362.2M · Tier avg: $139.2M
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 80.19% · Tier avg: 22.39%