BlastPoint's Banking Scorecard
Bay State Savings Bank
Community
Specialty: Commercial
MA
FDIC cert 90311
Worcester, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Bay State 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
- - Efficiency Drag: Bottom 7% in Community
- - Liquidity Strain: Bottom 40% in Community
- - Return on Assets 0.79% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$571.9M
+3.0% YoY
-1.6% QoQ
|
-$819.5M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$465.5M
+9.9% YoY
+2.6% QoQ
|
-$510.0M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$510.5M
+2.8% YoY
-2.0% QoQ
|
-$654.2M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 15% in tier |
| Return on Assets ? |
0.37%
-47.1% YoY
+20.0% QoQ
|
-0.79% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.97%
+9.3% YoY
+2.8% QoQ
|
-0.69% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
86.87%
+11.2% YoY
-0.9% QoQ
|
+24.24% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.39%
-30.7% YoY
-18.0% QoQ
|
-0.24% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
91.20%
+6.9% YoY
+4.7% QoQ
|
+8.13% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
22.58%
-1.8% YoY
-2.8% QoQ
|
+1.54% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.31%
-31.6% YoY
-21.8% QoQ
|
-0.18% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
11.34%
-6.7% YoY
-1.2% QoQ
|
+1.09% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.30%
-63.7% YoY
+42.5% QoQ
|
-0.44% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Efficiency Drag
risk
#12 of 152 · Bottom 7% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
86.87%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#207 of 513 · Bottom 40% 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:
91.20%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Return on Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.37%
(Tier avg: 1.16%, National avg: 1.12%)
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
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 22.58% · Tier avg: 21.05%
55
55th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.63%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.34% · Tier avg: 10.24%
32
32th pctile
Loan-to-Deposit Ratio
Current: 91.20% · Tier avg: 83.06%
25
25th pctile
Total Loans
Current: $465.5M · Tier avg: $975.5M
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
16
16th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.66%
15
15th pctile
Total Deposits
Current: $510.5M · Tier avg: $1.2B
11
11th pctile
Total Assets
Current: $571.9M · Tier avg: $1.4B
8
8th pctile
Return on Assets
Current: 0.37% · Tier avg: 1.16%
5
5th pctile
Efficiency Ratio
Current: 86.87% · Tier avg: 62.63%
Top Weaknesses
5
5th pctile
Efficiency Ratio
Current: 86.87% · Tier avg: 62.63%
8
8th pctile
Return on Assets
Current: 0.37% · Tier avg: 1.16%
11
11th pctile
Total Assets
Current: $571.9M · Tier avg: $1.4B
15
15th pctile
Total Deposits
Current: $510.5M · Tier avg: $1.2B
16
16th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.66%
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
25
25th pctile
Total Loans
Current: $465.5M · Tier avg: $975.5M
32
32th pctile
Loan-to-Deposit Ratio
Current: 91.20% · Tier avg: 83.06%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.34% · Tier avg: 10.24%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
55
55th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.63%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 22.58% · Tier avg: 21.05%