Cape Ann Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cape Ann Savings Bank of Gloucester, MA against its peer group of 931 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 | 2.21% | 1.46% | +0.75% | 92nd top |
| ROAE | 10.95% | 12.72% | -1.77% | 40th below |
| Net Interest Margin | 2.79% | 3.85% | -1.06% | 9th bottom |
| Efficiency Ratio | 56.32% | 57.41% | -1.09% | 57th above |
| PPNR / Avg Assets | 1.43% | 1.88% | -0.45% | 33rd below |
| Yield on Earning Assets | 4.52% | 5.72% | -1.20% | 7th bottom |
| Cost of Funds | 2.17% | 2.02% | +0.15% | 39th below |
| Net Interest Spread | 2.16% | 3.18% | -1.02% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.59% | 1.00% | -0.41% | 53rd above |
| NPA / Total Assets | 0.40% | 0.76% | -0.36% | 57th above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 78th top |
| ACL / Total Loans | 0.84% | 1.31% | -0.47% | 16th bottom |
| ACL / NPLs (Coverage) | 142.96% | 543.52% | -400.56% | 42nd below |
| Texas Ratio | 1.94% | 7.39% | -5.45% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 27.40% | 17.33% | +10.07% | 96th top |
| Tier 1 Ratio | 27.40% | 17.36% | +10.04% | 96th top |
| Total Capital Ratio | 28.20% | 18.41% | +9.79% | 96th top |
| Leverage Ratio | 20.48% | 11.43% | +9.05% | 98th top |
| Equity / Assets | 20.24% | 11.33% | +8.91% | 98th top |
| TCE / Tangible Assets | 20.24% | 10.50% | +9.74% | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.42% | 86.95% | +4.47% | 40th below |
| Core Deposit Ratio | 83.06% | 85.56% | -2.50% | 28th below |
| Wholesale Funding Ratio | 1.81% | 5.71% | -3.90% | 71st above |
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. | 7.24% | 9.68% | -2.44% | 64th above |
| Loan Growth (Y/Y) | 4.42% | 8.06% | -3.64% | 43rd below |
| Deposit Growth (Y/Y) | 8.66% | 7.87% | +0.79% | 70th above |
See Cape Ann Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cape Ann 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 Cape Ann Savings Bank profile, how to read a UBPR, or how this data updates.