BlastPoint's Banking Scorecard
The Savings Bank
Community
Specialty: Mortgage
MA
FDIC cert 90291
Wakefield, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
The Savings 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
- - Return on Assets 1.00% below tier
- - Net Interest Margin 1.09% below tier
- - Efficiency Ratio 30.74% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$873.4M
+5.6% YoY
+2.9% QoQ
|
-$518.1M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$621.7M
+3.0% YoY
+2.0% QoQ
|
-$353.8M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$766.4M
+4.7% YoY
+3.2% QoQ
|
-$398.3M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.17%
+362.3% YoY
-4.3% QoQ
|
-1.00% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.57%
+18.3% YoY
+0.7% QoQ
|
-1.09% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
93.37%
-11.4% YoY
+0.0% QoQ
|
+30.74% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.15%
-93.8% YoY
+1.0% QoQ
|
-0.48% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
81.13%
-1.6% YoY
-1.1% QoQ
|
-1.94% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
18.30%
-8.0% YoY
-1.0% QoQ
|
-2.74% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.87%
-50.2% YoY
-2.5% QoQ
|
+0.37% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
23% |
| 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 ? |
0.66%
+1.0% YoY
+32.2% QoQ
|
-0.08% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.17%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 7%
in Community
Why this stands out
Current:
2.57%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 2%
in Community
Why this stands out
Current:
93.37%
(Tier avg: 62.63%, National avg: 65.09%)
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
76
76th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
67
67th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
60
60th pctile
Loan-to-Deposit Ratio
Current: 81.13% · Tier avg: 83.06%
44
44th pctile
Total Deposits
Current: $766.4M · Tier avg: $1.2B
43
43th pctile
Total Loans
Current: $621.7M · Tier avg: $975.5M
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.30% · Tier avg: 21.05%
41
41th pctile
Total Assets
Current: $873.4M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.87% · Tier avg: 0.50%
7
7th pctile
Net Interest Margin
Current: 2.57% · Tier avg: 3.66%
4
4th pctile
Return on Assets
Current: 0.17% · Tier avg: 1.16%
2
2th pctile
Efficiency Ratio
Current: 93.37% · Tier avg: 62.63%
Top Weaknesses
2
2th pctile
Efficiency Ratio
Current: 93.37% · Tier avg: 62.63%
4
4th pctile
Return on Assets
Current: 0.17% · Tier avg: 1.16%
7
7th pctile
Net Interest Margin
Current: 2.57% · Tier avg: 3.66%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.87% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
41
41th pctile
Total Assets
Current: $873.4M · Tier avg: $1.4B
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.30% · Tier avg: 21.05%
43
43th pctile
Total Loans
Current: $621.7M · Tier avg: $975.5M
44
44th pctile
Total Deposits
Current: $766.4M · Tier avg: $1.2B
60
60th pctile
Loan-to-Deposit Ratio
Current: 81.13% · Tier avg: 83.06%
67
67th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
76
76th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%