Bath Savings Institution: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bath Savings Institution of Bath, ME against its peer group of 941 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 | 1.39% | 1.34% | +0.05% | 59th above |
| ROAE | 9.80% | 12.34% | -2.54% | 29th below |
| Net Interest Margin | 3.05% | 3.83% | -0.78% | 16th bottom |
| Efficiency Ratio | 65.39% | 58.97% | +6.42% | 29th below |
| PPNR / Avg Assets | 1.26% | — | — | 24th bottom |
| Yield on Earning Assets | 4.73% | 5.71% | -0.98% | 12th bottom |
| Cost of Funds | 2.15% | 2.02% | +0.13% | 40th below |
| Net Interest Spread | 2.44% | — | — | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.87% | -0.82% | 92nd top |
| NPA / Total Assets | 0.03% | — | — | 92nd top |
| NCO / Avg Loans | -0.05% | 0.43% | -0.48% | 98th top |
| ACL / Total Loans | 1.42% | — | — | 81st top |
| ACL / NPLs (Coverage) | 2638.40% | — | — | — |
| Texas Ratio | 0.20% | 5.48% | -5.28% | 93rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.76% | 11.11% | +4.65% | 94th top |
| Equity / Assets | 14.69% | 11.02% | +3.67% | 92nd top |
| TCE / Tangible Assets | 14.69% | — | — | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.50% | 86.99% | -10.49% | 76th top |
| Core Deposit Ratio | 89.62% | 85.57% | +4.05% | 57th above |
| Uninsured Deposit Ratio | 47.37% | 33.19% | +14.18% | 12th bottom |
| Wholesale Funding Ratio | 7.58% | — | — | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.80% | — | — | 39th below |
| Loan Growth (Y/Y) | 5.47% | — | — | 47th below |
| Deposit Growth (Y/Y) | 2.59% | — | — | 33rd below |
See Bath Savings Institution's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bath Savings Institution, 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 Bath Savings Institution 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 Bath Savings Institution peer analysis.