Bangor Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bangor Savings Bank of Bangor, 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 | 0.48% | 1.46% | -0.98% | 8th bottom |
| ROAE | 6.96% | 12.73% | -5.77% | 16th bottom |
| Net Interest Margin | 2.89% | 3.85% | -0.96% | 11th bottom |
| Efficiency Ratio | 82.68% | 57.33% | +25.35% | 5th bottom |
| PPNR / Avg Assets | 0.66% | 1.88% | -1.22% | 6th bottom |
| Yield on Earning Assets | 4.51% | 5.72% | -1.21% | 7th bottom |
| Cost of Funds | 1.64% | 2.02% | -0.38% | 73rd above |
| Net Interest Spread | 2.35% | 3.18% | -0.83% | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.53% | 1.00% | -0.47% | 55th above |
| NPA / Total Assets | 0.36% | 0.76% | -0.40% | 60th above |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 57th above |
| ACL / Total Loans | 0.78% | 1.31% | -0.53% | 13th bottom |
| ACL / NPLs (Coverage) | 146.27% | 544.57% | -398.30% | 44th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.51% | 7.39% | -1.88% | 45th below |
| Provision / NCO | 850.55% | 617.78% | +232.77% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.38% | 17.36% | -6.98% | 3rd bottom |
| Tier 1 Ratio | 10.38% | 17.39% | -7.01% | 3rd bottom |
| Total Capital Ratio | 11.14% | 18.45% | -7.31% | 2nd bottom |
| Leverage Ratio | 7.79% | 11.45% | -3.66% | 2nd bottom |
| Equity / Assets | 6.97% | 11.35% | -4.38% | 3rd bottom |
| TCE / Tangible Assets | 6.10% | 10.51% | -4.41% | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.63% | 86.94% | +4.69% | 39th below |
| Core Deposit Ratio | 98.22% | 85.52% | +12.70% | 96th top |
| Uninsured Deposit Ratio | 19.67% | 33.16% | -13.49% | 85th top |
| Wholesale Funding Ratio | 16.66% | 5.66% | +11.00% | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.50% | 9.69% | -4.19% | 52nd above |
| Loan Growth (Y/Y) | 3.41% | 8.07% | -4.66% | 38th below |
| Deposit Growth (Y/Y) | -3.26% | 7.90% | -11.16% | 7th bottom |
See Bangor Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bangor 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 Bangor Savings Bank profile, how to read a UBPR, or how this data updates.