East Cambridge Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks East Cambridge Savings Bank of Cambridge, 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 | 0.43% | 1.46% | -1.03% | 7th bottom |
| ROAE | 4.57% | 12.72% | -8.15% | 9th bottom |
| Net Interest Margin | 2.68% | 3.85% | -1.17% | 7th bottom |
| Efficiency Ratio | 77.59% | 57.39% | +20.20% | 10th bottom |
| PPNR / Avg Assets | 0.65% | 1.88% | -1.23% | 6th bottom |
| Yield on Earning Assets | 4.69% | 5.72% | -1.03% | 10th bottom |
| Cost of Funds | 2.23% | 2.02% | +0.21% | 35th below |
| Net Interest Spread | 2.26% | 3.18% | -0.92% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 1.00% | -0.80% | 81st top |
| NPA / Total Assets | 0.16% | 0.76% | -0.60% | 80th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 71st above |
| ACL / Total Loans | 0.59% | 1.31% | -0.72% | 5th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 292.17% | 543.52% | -251.35% | 68th above |
| Texas Ratio | 1.75% | 7.39% | -5.64% | 80th top |
| Provision / NCO | 1152.38% | 618.20% | +534.18% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.68% | 17.34% | -3.66% | 53rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.68% | 17.37% | -3.69% | 53rd above |
| Total Capital Ratio | 14.39% | 18.42% | -4.03% | 45th below |
| Leverage Ratio | 9.69% | 11.44% | -1.75% | 28th below |
| Equity / Assets | 9.39% | 11.34% | -1.95% | 29th below |
| TCE / Tangible Assets | 8.81% | 10.50% | -1.69% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.19% | 86.94% | +13.25% | 17th bottom |
| Core Deposit Ratio | 84.10% | 85.56% | -1.46% | 31st below |
| Uninsured Deposit Ratio | 37.18% | 33.12% | +4.06% | 34th below |
| Wholesale Funding Ratio | 9.28% | 5.70% | +3.58% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.50% | 9.69% | -6.19% | 38th below |
| Loan Growth (Y/Y) | 4.05% | 8.06% | -4.01% | 41st below |
| Deposit Growth (Y/Y) | 4.72% | 7.87% | -3.15% | 49th below |
See East Cambridge Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock East Cambridge 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 East Cambridge Savings Bank profile, how to read a UBPR, or how this data updates.