Everett Co-Operative Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Everett Co-Operative Bank of Everett, MA against its peer group of 896 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 0.79% | 1.32% | -0.53% | 16th worst quarter |
| ROAE | 8.08% | 12.84% | -4.76% | 18th worst quarter |
| Net Interest Margin | 2.58% | 3.80% | -1.22% | 4th worst quarter |
| Efficiency Ratio | 56.67% | 57.50% | -0.83% | 48th better half |
| PPNR / Avg Assets | 1.13% | 1.78% | -0.65% | 16th worst quarter |
| Yield on Earning Assets | 5.58% | 5.62% | -0.04% | 47th |
| Cost of Funds | 3.31% | 2.05% | +1.26% | 96th worst quarter |
| Net Interest Spread | 2.04% | 3.16% | -1.12% | 7th worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.54% | -0.45% | 11th best quarter |
| NPA / Total Assets | 0.08% | 0.43% | -0.35% | 13th best quarter |
| NCO / Avg Loans | 0.00% | 0.03% | -0.03% | 25th best quarter |
| ACL / Total Loans | 0.71% | 1.14% | -0.43% | 9th |
| ACL / NPLs (Coverage) | 762.92% | 206.61% | +556.31% | 85th best quarter |
| Texas Ratio | 0.76% | 3.89% | -3.13% | 13th best quarter |
| Provision / NCO | 10250.00% | 145.20% | +10104.80% | — |
| CRE / Total Capital | 478.74% | 224.99% | +253.75% | 99th worst quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 13.57% | 13.63% | -0.06% | 48th worse half |
| Tier 1 Ratio | 13.57% | 13.64% | -0.07% | 48th worse half |
| Total Capital Ratio | 14.51% | 14.75% | -0.24% | 45th worse half |
| Leverage Ratio | 9.82% | 10.57% | -0.75% | 30th worse half |
| Equity / Assets | 9.91% | 10.20% | -0.29% | 44th worse half |
| TCE / Tangible Assets | 9.91% | 9.58% | +0.33% | 56th better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 119.43% | 88.09% | +31.34% | 98th |
| Core Deposit Ratio | 61.59% | 89.11% | -27.52% | 3rd worst quarter |
| Uninsured Deposit Ratio | 45.69% | 31.09% | +14.60% | 84th worst quarter |
| Borrowings / Total Assets | 17.05% | 4.05% | +13.00% | 96th worst quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.05% | 4.80% | +4.25% | 73rd |
| Loan Growth (Y/Y) | 10.89% | 6.01% | +4.88% | 75th |
| Deposit Growth (Y/Y) | 9.02% | 4.64% | +4.38% | 73rd |
See Everett Co-Operative Bank's peers by name
The 896 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this 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 Everett Co-Operative Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Everett Co-Operative Bank peer analysis.