Florence Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Florence Bank of Florence, 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 | 0.78% | 1.46% | -0.68% | 18th bottom |
| ROAE | 7.37% | 12.72% | -5.35% | 18th bottom |
| Net Interest Margin | 2.86% | 3.85% | -0.99% | 10th bottom |
| Efficiency Ratio | 65.87% | 57.40% | +8.47% | 28th below |
| PPNR / Avg Assets | 1.05% | 1.88% | -0.83% | 17th bottom |
| Yield on Earning Assets | 4.11% | 5.72% | -1.61% | 3rd bottom |
| Cost of Funds | 1.37% | 2.02% | -0.65% | 85th top |
| Net Interest Spread | 2.29% | 3.18% | -0.89% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.46% | 1.00% | -0.54% | 61st above |
| NPA / Total Assets | 0.29% | 0.76% | -0.47% | 66th above |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 61st above |
| ACL / Total Loans | 0.66% | 1.31% | -0.65% | 8th bottom |
| ACL / NPLs (Coverage) | 145.12% | 543.67% | -398.55% | 43rd below |
| Texas Ratio | 2.60% | 7.39% | -4.79% | 71st above |
| Provision / NCO | 1468.00% | 617.82% | +850.18% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.23% | 11.44% | +0.79% | 79th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.74% | 11.34% | -0.60% | 55th above |
| TCE / Tangible Assets | 10.74% | 10.50% | +0.24% | 68th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.48% | 86.97% | -15.49% | 84th top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.80% | 85.55% | +2.25% | 45th below |
| Uninsured Deposit Ratio | 24.55% | 33.13% | -8.58% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.79% | 9.69% | -5.90% | 40th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.63% | 8.06% | -1.43% | 56th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.98% | 7.87% | -1.89% | 58th above |
See Florence Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Florence 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 Florence Bank profile, how to read a UBPR, or how this data updates.