Dean Co-Operative Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Dean Co-Operative Bank of Franklin, 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 | 0.38% | 1.34% | -0.96% | 10th bottom |
| ROAE | 5.74% | 13.32% | -7.58% | 17th bottom |
| Net Interest Margin | 3.22% | 3.93% | -0.71% | 17th bottom |
| Efficiency Ratio | 86.73% | 61.13% | +25.60% | 8th bottom |
| PPNR / Avg Assets | 0.49% | 1.68% | -1.19% | 8th bottom |
| Yield on Earning Assets | 4.53% | 5.67% | -1.14% | 9th bottom |
| Cost of Funds | 1.39% | 1.88% | -0.49% | 75th top |
| Net Interest Spread | 2.58% | 3.32% | -0.74% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.94% | -0.81% | 70th above |
| NPA / Total Assets | 0.09% | 0.70% | -0.61% | 71st above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.87% | 1.28% | -0.41% | 15th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 665.73% | 1539.13% | -873.40% | 76th top |
| Texas Ratio | 1.28% | 7.33% | -6.05% | 69th above |
| Provision / NCO | 0.00% | 1396.51% | -1396.51% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.42% | 19.51% | -6.09% | 33rd below |
| Tier 1 Ratio | 13.42% | 19.54% | -6.12% | 33rd below |
| Total Capital Ratio | 14.44% | 20.63% | -6.19% | 31st below |
| Leverage Ratio | 8.26% | 12.14% | -3.88% | 4th bottom |
| Equity / Assets | 6.71% | 11.38% | -4.67% | 5th bottom |
| TCE / Tangible Assets | 6.71% | 11.10% | -4.39% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.58% | 80.64% | +3.94% | 41st below |
| Core Deposit Ratio | 90.26% | 86.86% | +3.40% | 56th above |
| Wholesale Funding Ratio | 7.18% | 5.03% | +2.15% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.67% | 6.85% | -4.18% | 37th below |
| Loan Growth (Y/Y) | 3.18% | 7.91% | -4.73% | 38th below |
| Deposit Growth (Y/Y) | 1.37% | 6.29% | -4.92% | 31st below |
See Dean Co-Operative Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Dean Co-Operative 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 Dean Co-Operative Bank profile, how to read a UBPR, or how this data updates.