Kennebec Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Kennebec Savings Bank of Augusta, ME 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 | 2.15% | 1.46% | +0.69% | 91st top |
| ROAE | 16.23% | 12.71% | +3.52% | 78th top |
| Net Interest Margin | 3.05% | 3.85% | -0.80% | 16th bottom |
| Efficiency Ratio | 72.97% | 57.39% | +15.58% | 15th bottom |
| PPNR / Avg Assets | 0.90% | 1.88% | -0.98% | 13th bottom |
| Yield on Earning Assets | 4.88% | 5.72% | -0.84% | 16th bottom |
| Cost of Funds | 2.00% | 2.02% | -0.02% | 52nd above |
| Net Interest Spread | 2.59% | 3.18% | -0.59% | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.48% | 1.00% | -0.52% | 59th above |
| NPA / Total Assets | 0.40% | 0.76% | -0.36% | 57th above |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 86th top |
| ACL / Total Loans | 0.61% | 1.31% | -0.70% | 6th bottom |
| ACL / NPLs (Coverage) | 127.00% | 543.66% | -416.66% | 38th below |
| Texas Ratio | 2.89% | 7.39% | -4.50% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.32% | 17.34% | -0.02% | 84th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.32% | 17.37% | -0.05% | 84th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.02% | 18.42% | -0.40% | 82nd top |
| Leverage Ratio | 13.96% | 11.43% | +2.53% | 90th top |
| Equity / Assets | 13.42% | 11.33% | +2.09% | 87th top |
| TCE / Tangible Assets | 13.42% | 10.50% | +2.92% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 111.48% | 86.94% | +24.54% | 5th bottom |
| Core Deposit Ratio | 81.16% | 85.56% | -4.40% | 23rd bottom |
| Uninsured Deposit Ratio | 21.93% | 33.13% | -11.20% | 79th top |
| Wholesale Funding Ratio | 10.26% | 5.70% | +4.56% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.52% | 9.68% | -5.16% | 45th below |
| Loan Growth (Y/Y) | 4.94% | 8.06% | -3.12% | 46th below |
| Deposit Growth (Y/Y) | 3.93% | 7.87% | -3.94% | 44th below |
See Kennebec Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Kennebec 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 Kennebec Savings Bank profile, how to read a UBPR, or how this data updates.