Bankgloucester: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bankgloucester of Gloucester, MA against its peer group of 2757 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 | 0.43% | 1.25% | -0.82% | 10th bottom |
| ROAE | 5.14% | 12.22% | -7.08% | 13th bottom |
| Net Interest Margin | 3.81% | 3.95% | -0.14% | 42nd below |
| Efficiency Ratio | 82.07% | 63.71% | +18.36% | 11th bottom |
| PPNR / Avg Assets | 0.71% | — | — | 11th bottom |
| Yield on Earning Assets | 5.68% | 5.67% | +0.01% | 53rd above |
| Cost of Funds | 1.96% | 1.87% | +0.09% | 39th below |
| Net Interest Spread | 3.31% | — | — | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.98% | 0.88% | +2.10% | 6th bottom |
| NPA / Total Assets | 2.58% | — | — | 5th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 78th top |
| ACL / Total Loans | 1.05% | — | — | 32nd below |
| ACL / NPLs (Coverage) | 35.32% | — | — | 5th bottom |
| Texas Ratio | 27.62% | 5.96% | +21.66% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.48% | 17.18% | -3.70% | 33rd below |
| Tier 1 Ratio | 13.48% | 17.21% | -3.73% | 33rd below |
| Total Capital Ratio | 14.73% | — | — | 34th below |
| Leverage Ratio | 8.70% | 11.75% | -3.05% | 8th bottom |
| Equity / Assets | 8.42% | 10.98% | -2.56% | 18th bottom |
| TCE / Tangible Assets | 8.42% | — | — | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 110.10% | 80.44% | +29.66% | 3rd bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.49% | 86.95% | +0.54% | 41st below |
| Wholesale Funding Ratio | 12.67% | — | — | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.91% | — | — | 14th bottom |
| Loan Growth (Y/Y) | -1.07% | — | — | 18th bottom |
| Deposit Growth (Y/Y) | -2.75% | — | — | 11th bottom |
See Bankgloucester's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bankgloucester, 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 Bankgloucester profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Bankgloucester peer analysis.