BlastPoint's Banking Scorecard
Webster Five Cents Savings Bank
Community
Specialty: Commercial
MA
FDIC cert 90297
Webster, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Webster Five Cents 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
- - Capital Thin: Bottom 15% in Community
- - Liquidity Strain: Bottom 17% in Community
- - Flatlined Growth: Bottom 20% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+0.1% YoY
-2.2% QoQ
|
-$90.8M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$985.7M
-1.3% YoY
-1.0% QoQ
|
+$10.2M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$992.6M
+1.2% YoY
-2.5% QoQ
|
-$172.0M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
0.73%
+34.9% YoY
-4.4% QoQ
|
-0.43% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
3.48%
+9.7% YoY
+1.7% QoQ
|
-0.18% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
70.45%
-9.4% YoY
-0.8% QoQ
|
+7.82% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.76%
+232.0% YoY
-14.4% QoQ
|
+0.13% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
99.30%
-2.5% YoY
+1.5% QoQ
|
+16.24% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.57%
+4.1% YoY
+2.2% QoQ
|
+1.52% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.58%
+227.1% YoY
-13.3% QoQ
|
+0.08% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
34% |
| 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 ? |
0.47%
+8.5% YoY
+35.3% QoQ
|
-0.27% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Capital Thin
risk
#66 of 432 · Bottom 15% 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 improving
Liquidity Strain
risk
#89 of 513 · Bottom 17% 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:
99.30%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#49 of 245 · Bottom 20% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.73%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 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
67
67th pctile
Total Loans
Current: $985.7M · Tier avg: $975.5M
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 22.57% · Tier avg: 21.05%
59
59th pctile
Total Deposits
Current: $992.6M · Tier avg: $1.2B
44
44th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.74%
41
41th pctile
Net Interest Margin
Current: 3.48% · Tier avg: 3.66%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.50%
33
33th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Efficiency Ratio
Current: 70.45% · Tier avg: 62.63%
21
21th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.16%
14
14th pctile
Loan-to-Deposit Ratio
Current: 99.30% · Tier avg: 83.06%
Top Weaknesses
14
14th pctile
Loan-to-Deposit Ratio
Current: 99.30% · Tier avg: 83.06%
21
21th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.16%
26
26th pctile
Efficiency Ratio
Current: 70.45% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Delinquency Rate
Current: 0.76% · Tier avg: 0.63%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.50%
41
41th pctile
Net Interest Margin
Current: 3.48% · Tier avg: 3.66%
44
44th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.74%
59
59th pctile
Total Deposits
Current: $992.6M · Tier avg: $1.2B
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 22.57% · Tier avg: 21.05%
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
67
67th pctile
Total Loans
Current: $985.7M · Tier avg: $975.5M