Bluestone Bank

Raynham, MA · Cert 90169 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · Bluestone Financial MHC

State charter, Fed member · FED · 11 branches

Q2 2026

$1.6BAssets

$1.2BLoans

$1.3BDeposits

$131.8MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 30% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 20 of 27).
Widest gap: return on assets trails 100% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 27 of 27).
Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.30%

Rank 27 of 27

Net Interest Margin

2.25%

Rank 25 of 27

Efficiency Ratio

83.08%

Rank 25 of 27

Equity / Assets

8.13%

Rank 26 of 27

Unfavorable gap of $29.8M · efficiency ratio beats 11% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.30%	0.48%	0.78%	0.99%	Beats 0%	27 / 27
Return on Equity	3.70%	5.50%	7.06%	8.20%	Beats 4%	26 / 27
Net Interest Margin	2.25%	2.49%	2.70%	3.34%	Beats 7%	25 / 27
Efficiency Ratio	83.08%	59.27%	68.19%	75.85%	Beats 11%	25 / 27
Asset Quality
Nonperforming Loans / Loans	1.04%	0.20%	0.58%	1.15%	Beats 30%	20 / 27
Net Charge-Offs / Loans	0.08%	0.00%	0.01%	0.05%	Beats 15%	24 / 27
Capital
Tier 1 Capital Ratio	13.29%	13.21%	14.69%	16.81%	Beats 26%	20 / 27
Total Risk-Based Capital Ratio	14.00%	13.71%	15.43%	18.07%	Beats 26%	20 / 27
Equity / Assets	8.13%	9.62%	11.14%	13.14%	Beats 4%	26 / 27
Liquidity & Funding
Loans / Deposits	90.56%	91.42%	101.19%	107.11%	19th pctl	22 / 27
Loans / Assets	73.54%	75.31%	80.56%	83.39%	19th pctl	22 / 27
Brokered Deposits / Deposits	n/a	Not reported for this institution