Bluestone Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bluestone Bank of Raynham, MA 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 | 0.49% | 1.34% | -0.85% | 7th bottom |
| ROAE | 6.26% | 12.40% | -6.14% | 12th bottom |
| Net Interest Margin | 2.40% | 3.83% | -1.43% | 4th bottom |
| Efficiency Ratio | 79.26% | 57.84% | +21.42% | 7th bottom |
| PPNR / Avg Assets | 0.57% | — | — | 4th bottom |
| Yield on Earning Assets | 4.63% | 5.71% | -1.08% | 9th bottom |
| Cost of Funds | 2.43% | 2.02% | +0.41% | 23rd bottom |
| Net Interest Spread | 1.91% | — | — | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.04% | 1.00% | +0.04% | 31st below |
| NPA / Total Assets | 0.77% | — | — | 34th below |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 88th top |
| ACL / Total Loans | 0.62% | — | — | 6th bottom |
| ACL / NPLs (Coverage) | 59.19% | — | — | 13th bottom |
| Texas Ratio | 8.98% | 5.47% | +3.51% | 20th bottom |
| Provision / NCO | 76.40% | — | — | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.29% | 14.99% | -1.70% | 46th below |
| Tier 1 Ratio | 13.29% | 15.02% | -1.73% | 45th below |
| Total Capital Ratio | 14.00% | — | — | 39th below |
| Leverage Ratio | 9.52% | 11.11% | -1.59% | 22nd bottom |
| Equity / Assets | 8.13% | 11.02% | -2.89% | 8th bottom |
| TCE / Tangible Assets | 8.07% | — | — | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.56% | 86.99% | +3.57% | 43rd below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.82% | 85.57% | +2.25% | 46th below |
| Uninsured Deposit Ratio | 35.49% | 33.19% | +2.30% | 38th below |
| Wholesale Funding Ratio | 10.00% | — | — | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.28% | — | — | 29th below |
| Loan Growth (Y/Y) | -0.19% | — | — | 16th bottom |
| Deposit Growth (Y/Y) | 4.95% | — | — | 49th below |
See Bluestone Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bluestone 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 Bluestone Bank 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 Bluestone Bank peer analysis.