Statum MD — ONELOCAL BANK
NORWOOD, MA · RSSD 1013070 · Assets $1.06B · Q1 2026 · Data as of Mar 31, 2026
Statum MD is a quarterly diagnostic report on a bank, modeled on how a doctor evaluates a patient: vitals, diagnosis, prescription, digital strategy, competitive context. Every section of this dashboard follows that five-step rubric (see the Statum Method tab).
Statum GPA is the headline score — a 1.0 to 9.0 composite of six equally weighted drivers (AER, ROA, ROE, ROTCE, TCE, T1LR), rounded to the nearest whole number and mapped to a letter grade from A+ (9) down to C− (1). It ships with an SVI (Statum Volatility Index) confidence tier; higher SVI confidence means the GPA can be read as a reliable forward signal rather than a point-in-time snapshot.
Composite score from 1.0 to 9.0 across six equally weighted drivers. Each axis scores a driver from 0 (weak) to 9 (elite). Hover any point to see its score.
Funding (left) flows to assets (right). Widths are proportional to actual ratios.
Revenue sources (left) flow to expenses and net income (right).
Each vital is compared against the peer cohort — green is healthy, red needs attention.
Six equally weighted drivers combine into a 1.0–9.0 composite. The GPA is rounded to the nearest whole number and mapped to a letter grade from A+ (9) down to C− (1).
| Grade | Rounded GPA | GPA Range | Meaning |
|---|---|---|---|
| A+ | 9 | 8.50 – 9.00 | Elite |
| A | 8 | 7.50 – 8.49 | Excellent |
| A− | 7 | 6.50 – 7.49 | Very Good |
| B+ | 6 | 5.50 – 6.49 | Above Average |
| B | 5 | 4.50 – 5.49 | Average |
| B− | 4 | 3.50 – 4.49 | Below Average |
| C+ | 3 | 2.50 – 3.49 | Weak |
| C | 2 | 1.50 – 2.49 | Distressed |
| C− | 1 | 1.00 – 1.49 | Critical |
Every GPA ships with an SVI confidence tier (1 = highest confidence, 4 = lowest). SVI captures quarter-to-quarter volatility in the underlying drivers — a low SVI means you can trust the GPA as a forward signal; a high SVI says treat it as a point-in-time snapshot.
Dollar impact and ROI multiples are intentionally omitted from this view. Per SQER Pipeline V8 policy, Rx-level financial projections are not surfaced in the SMD until they can be computed from validated DuPont-grade data. Use case prioritization shown here is directional, anchored to the bank's Primary Focus Area.
All banks in the peer cohort ranked by Statum GPA. This bank is highlighted in gold.
Each card shows a peer bank's GPA, assets, and a mini bar comparing its GPA to the cohort. Focus bank is outlined in gold.