Bay State Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bay State Savings Bank of Worcester, MA against its peer group of 2672 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 | 0.63% | 1.34% | -0.71% | 17th bottom |
| ROAE | 6.97% | 13.32% | -6.35% | 21st bottom |
| Net Interest Margin | 3.39% | 3.93% | -0.54% | 23rd bottom |
| Efficiency Ratio | 80.30% | 61.13% | +19.17% | 13th bottom |
| PPNR / Avg Assets | 0.69% | 1.68% | -0.99% | 12th bottom |
| Yield on Earning Assets | 5.14% | 5.67% | -0.53% | 28th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.85% | 1.88% | -0.03% | 46th below |
| Net Interest Spread | 2.79% | 3.32% | -0.53% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.47% | 0.94% | -0.47% | 47th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.39% | 0.70% | -0.31% | 44th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 46th below |
| ACL / Total Loans | 0.88% | 1.28% | -0.40% | 15th bottom |
| ACL / NPLs (Coverage) | 188.68% | 1539.50% | -1350.82% | 46th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.04% | 7.33% | -3.29% | 47th below |
| Provision / NCO | 0.00% | 1396.68% | -1396.68% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.24% | 19.51% | -8.27% | 10th bottom |
| Tier 1 Ratio | 11.24% | 19.54% | -8.30% | 10th bottom |
| Total Capital Ratio | 12.26% | 20.63% | -8.37% | 10th bottom |
| Leverage Ratio | 8.82% | 12.14% | -3.32% | 10th bottom |
| Equity / Assets | 8.98% | 11.38% | -2.40% | 27th below |
| TCE / Tangible Assets | 8.98% | 11.09% | -2.11% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.33% | 80.63% | +14.70% | 18th bottom |
| Core Deposit Ratio | 85.60% | 86.86% | -1.26% | 33rd below |
| Wholesale Funding Ratio | 1.52% | 5.04% | -3.52% | 75th top |
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. | 4.86% | 6.85% | -1.99% | 53rd above |
| Loan Growth (Y/Y) | 10.20% | 7.90% | +2.30% | 74th above |
| Deposit Growth (Y/Y) | 3.94% | 6.29% | -2.35% | 49th below |
See Bay State Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bay State 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 Bay State Savings Bank profile, how to read a UBPR, or how this data updates.