Fall River Five Cents Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Fall River Five Cents Savings Bank of Fall River, 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 | 0.49% | 1.44% | -0.95% | 9th bottom |
| ROAE | 6.71% | 12.51% | -5.80% | 15th bottom |
| Net Interest Margin | 2.61% | 3.84% | -1.23% | 6th bottom |
| Efficiency Ratio | 78.64% | 58.85% | +19.79% | 8th bottom |
| PPNR / Avg Assets | 0.62% | 1.78% | -1.16% | 6th bottom |
| Yield on Earning Assets | 4.75% | 5.71% | -0.96% | 12th bottom |
| Cost of Funds | 2.26% | 2.03% | +0.23% | 33rd below |
| Net Interest Spread | 2.15% | 3.18% | -1.03% | 9th 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. | 0.73% | 0.96% | -0.23% | 43rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.57% | 0.75% | -0.18% | 44th below |
| NCO / Avg Loans | -0.06% | 0.31% | -0.37% | 98th top |
| ACL / Total Loans | 0.68% | 1.25% | -0.57% | 8th bottom |
| ACL / NPLs (Coverage) | 93.11% | 699.51% | -606.40% | 26th below |
| Texas Ratio | 7.25% | 7.16% | +0.09% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.61% | 17.41% | -5.80% | 18th bottom |
| Tier 1 Ratio | 11.61% | 17.45% | -5.84% | 17th bottom |
| Total Capital Ratio | 12.38% | 18.51% | -6.13% | 14th bottom |
| Leverage Ratio | 8.70% | 11.60% | -2.90% | 7th bottom |
| Equity / Assets | 7.43% | 11.34% | -3.91% | 4th bottom |
| TCE / Tangible Assets | 7.32% | 10.65% | -3.33% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 105.20% | 86.33% | +18.87% | 9th bottom |
| Core Deposit Ratio | 80.15% | 85.56% | -5.41% | 21st bottom |
| Uninsured Deposit Ratio | 26.89% | 32.72% | -5.83% | 64th above |
| Wholesale Funding Ratio | 17.65% | 5.44% | +12.21% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.98% | 10.47% | -11.45% | 12th bottom |
| Loan Growth (Y/Y) | -2.02% | 8.00% | -10.02% | 10th bottom |
| Deposit Growth (Y/Y) | 2.21% | 7.99% | -5.78% | 32nd below |
See Fall River Five Cents Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Fall River Five Cents 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 Fall River Five Cents Savings Bank profile, how to read a UBPR, or how this data updates.