Clinton Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Clinton Savings Bank of Clinton, 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 | 0.46% | 1.34% | -0.88% | 12th bottom |
| ROAE | 5.85% | 13.32% | -7.47% | 17th bottom |
| Net Interest Margin | 2.84% | 3.93% | -1.09% | 7th bottom |
| Efficiency Ratio | 95.93% | 61.11% | +34.82% | 4th bottom |
| PPNR / Avg Assets | 0.11% | 1.68% | -1.57% | 3rd bottom |
| Yield on Earning Assets | 4.65% | 5.67% | -1.02% | 12th bottom |
| Cost of Funds | 1.80% | 1.88% | -0.08% | 50th above |
| Net Interest Spread | 2.55% | 3.32% | -0.77% | 15th 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. | 0.50% | 0.94% | -0.44% | 45th below |
| NPA / Total Assets | 1.24% | 0.70% | +0.54% | 15th bottom |
| NCO / Avg Loans | 1.23% | 0.16% | +1.07% | 2nd bottom |
| ACL / Total Loans | 1.19% | 1.28% | -0.09% | 49th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 237.45% | 1539.70% | -1302.25% | 53rd above |
| Texas Ratio | 14.10% | 7.33% | +6.77% | 14th bottom |
| Provision / NCO | 13.43% | 1397.01% | -1383.58% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.63% | 19.51% | -5.88% | 35th below |
| Tier 1 Ratio | 13.63% | 19.54% | -5.91% | 35th below |
| Total Capital Ratio | 14.84% | 20.63% | -5.79% | 36th below |
| Leverage Ratio | 9.65% | 12.14% | -2.49% | 25th below |
| Equity / Assets | 7.98% | 11.38% | -3.40% | 13th bottom |
| TCE / Tangible Assets | 7.98% | 11.10% | -3.12% | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.15% | 80.63% | +8.52% | 30th below |
| Core Deposit Ratio | 83.28% | 86.86% | -3.58% | 25th below |
| Wholesale Funding Ratio | 13.46% | 5.02% | +8.44% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.09% | 6.86% | -6.77% | 20th bottom |
| Loan Growth (Y/Y) | -2.51% | 7.91% | -10.42% | 13th bottom |
| Deposit Growth (Y/Y) | -1.62% | 6.29% | -7.91% | 15th bottom |
See Clinton Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Clinton 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 Clinton Savings Bank profile, how to read a UBPR, or how this data updates.