Androscoggin Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Androscoggin Savings Bank of Lewiston, ME against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.78% | 1.46% | -0.68% | 18th bottom |
| ROAE | 7.54% | 12.72% | -5.18% | 18th bottom |
| Net Interest Margin | 3.18% | 3.85% | -0.67% | 21st bottom |
| Efficiency Ratio | 71.88% | 57.40% | +14.48% | 17th bottom |
| PPNR / Avg Assets | 0.99% | 1.88% | -0.89% | 15th bottom |
| Yield on Earning Assets | 5.31% | 5.72% | -0.41% | 36th below |
| Cost of Funds | 2.29% | 2.02% | +0.27% | 30th below |
| Net Interest Spread | 2.64% | 3.18% | -0.54% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.48% | 1.00% | -0.52% | 59th above |
| NPA / Total Assets | 0.40% | 0.76% | -0.36% | 57th above |
| NCO / Avg Loans | -0.01% | 0.43% | -0.44% | 90th top |
| ACL / Total Loans | 0.99% | 1.31% | -0.32% | 28th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 204.25% | 543.59% | -339.34% | 56th above |
| Texas Ratio | 3.62% | 7.39% | -3.77% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.15% | 17.34% | -4.19% | 44th below |
| Tier 1 Ratio | 13.15% | 17.37% | -4.22% | 43rd below |
| Total Capital Ratio | 14.19% | 18.42% | -4.23% | 42nd below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.76% | 11.44% | -0.68% | 56th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.76% | 11.34% | -0.58% | 56th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.39% | 10.50% | -0.11% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.24% | 86.94% | +16.30% | 11th bottom |
| Core Deposit Ratio | 69.71% | 85.56% | -15.85% | 8th bottom |
| Uninsured Deposit Ratio | 14.09% | 33.14% | -19.05% | 93rd top |
| Wholesale Funding Ratio | 6.47% | 5.70% | +0.77% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.04% | 9.69% | -9.65% | 16th bottom |
| Loan Growth (Y/Y) | 1.39% | 8.06% | -6.67% | 24th bottom |
| Deposit Growth (Y/Y) | 4.19% | 7.87% | -3.68% | 46th below |
See Androscoggin Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Androscoggin Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Androscoggin Savings Bank profile, how to read a UBPR, or how this data updates.