Country Bank for Savings: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Country Bank for Savings of Ware, 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 | 0.94% | 1.46% | -0.52% | 26th below |
| ROAE | 6.66% | 12.72% | -6.06% | 15th bottom |
| Net Interest Margin | 3.43% | 3.85% | -0.42% | 32nd below |
| Efficiency Ratio | 67.15% | 57.40% | +9.75% | 26th below |
| PPNR / Avg Assets | 1.24% | 1.88% | -0.64% | 25th below |
| Yield on Earning Assets | 5.19% | 5.72% | -0.53% | 29th below |
| Cost of Funds | 2.03% | 2.02% | +0.01% | 49th below |
| Net Interest Spread | 2.66% | 3.18% | -0.52% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.14% | 1.00% | +0.14% | 28th below |
| NPA / Total Assets | 0.90% | 0.76% | +0.14% | 28th below |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 68th above |
| ACL / Total Loans | 0.99% | 1.31% | -0.32% | 28th below |
| ACL / NPLs (Coverage) | 86.34% | 543.76% | -457.42% | 23rd bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.98% | 7.39% | -1.41% | 41st below |
| Provision / NCO | 1356.52% | 617.85% | +738.67% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.84% | 11.43% | +3.41% | 93rd top |
| Equity / Assets | 14.22% | 11.33% | +2.89% | 91st top |
| TCE / Tangible Assets | 14.22% | 10.50% | +3.72% | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.58% | 86.94% | +14.64% | 14th bottom |
| Core Deposit Ratio | 85.19% | 85.55% | -0.36% | 35th below |
| Uninsured Deposit Ratio | 27.37% | 33.13% | -5.76% | 63rd above |
| Wholesale Funding Ratio | 7.78% | 5.70% | +2.08% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.07% | 9.69% | -5.62% | 42nd below |
| Loan Growth (Y/Y) | 4.64% | 8.06% | -3.42% | 45th below |
| Deposit Growth (Y/Y) | 15.51% | 7.86% | +7.65% | 86th top |
See Country Bank for Savings's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Country Bank for Savings, 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 Country Bank for Savings profile, how to read a UBPR, or how this data updates.