Bankhometown: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bankhometown of Oxford, MA against its peer group of 895 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 0.14% | 1.29% | -1.15% | 3rd worst quarter |
| ROAE | 1.21% | 12.61% | -11.40% | 3rd worst quarter |
| Net Interest Margin | 3.67% | 3.71% | -0.04% | 47th worse half |
| Efficiency Ratio | 60.61% | 58.32% | +2.29% | 58th worse half |
| PPNR / Avg Assets | 1.66% | 1.75% | -0.09% | 44th worse half |
| Yield on Earning Assets | 5.00% | 5.54% | -0.54% | 20th |
| Cost of Funds | 1.53% | 2.01% | -0.48% | 20th best quarter |
| Net Interest Spread | 3.19% | 3.09% | +0.10% | 58th better half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 2.74% | 0.52% | +2.22% | 95th worst quarter |
| NPA / Total Assets | 2.54% | 0.41% | +2.13% | 96th worst quarter |
| NCO / Avg Loans | 1.93% | 0.03% | +1.90% | 98th worst quarter |
| ACL / Total Loans | 1.39% | 1.15% | +0.24% | 79th |
| ACL / NPLs (Coverage) | 50.53% | 204.05% | -153.52% | 7th worst quarter |
| Texas Ratio | 20.77% | 3.58% | +17.19% | 97th worst quarter |
| Provision / NCO | 96.72% | 173.21% | -76.49% | 33rd |
| CRE / Total Capital | 295.00% | 223.76% | +71.24% | 79th worst quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 14.08% | 13.52% | +0.56% | 59th better half |
| Tier 1 Ratio | 14.08% | 13.55% | +0.53% | 59th better half |
| Total Capital Ratio | 15.33% | 14.66% | +0.67% | 61st better half |
| Leverage Ratio | 11.24% | 10.52% | +0.72% | 64th better half |
| Equity / Assets | 11.83% | 10.38% | +1.45% | 73rd better half |
| TCE / Tangible Assets | 11.21% | 9.80% | +1.41% | 73rd better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 93.86% | 88.15% | +5.71% | 67th |
| Core Deposit Ratio | 90.37% | 88.46% | +1.91% | 60th better half |
| Uninsured Deposit Ratio | 30.19% | 30.92% | -0.73% | 47th better half |
| Borrowings / Total Assets | 2.01% | 3.92% | -1.91% | 31st better half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.32% | 5.45% | -4.13% | 22nd |
| Loan Growth (Y/Y) | 3.26% | 5.90% | -2.64% | 35th |
| Deposit Growth (Y/Y) | 0.94% | 5.07% | -4.13% | 22nd |
See Bankhometown's peers by name
The 895 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this 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 Bankhometown 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 Bankhometown peer analysis.