Main Street Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Main Street Bank of Marlborough, 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 | 0.71% | 1.44% | -0.73% | 16th bottom |
| ROAE | 6.60% | 12.51% | -5.91% | 14th bottom |
| Net Interest Margin | 2.94% | 3.84% | -0.90% | 13th bottom |
| Efficiency Ratio | 69.91% | 58.86% | +11.05% | 20th bottom |
| PPNR / Avg Assets | 0.97% | 1.78% | -0.81% | 14th bottom |
| Yield on Earning Assets | 5.00% | 5.71% | -0.71% | 20th bottom |
| Cost of Funds | 2.41% | 2.03% | +0.38% | 25th below |
| Net Interest Spread | 2.14% | 3.18% | -1.04% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.69% | 0.96% | +0.73% | 15th bottom |
| NPA / Total Assets | 1.27% | 0.75% | +0.52% | 17th bottom |
| NCO / Avg Loans | 0.02% | 0.31% | -0.29% | 55th above |
| ACL / Total Loans | 0.90% | 1.25% | -0.35% | 19th bottom |
| ACL / NPLs (Coverage) | 53.24% | 699.56% | -646.32% | 10th bottom |
| Texas Ratio | 10.91% | 7.16% | +3.75% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.31% | 17.41% | -0.10% | 84th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.31% | 17.44% | -0.13% | 84th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.31% | 18.50% | -0.19% | 83rd top |
| Leverage Ratio | 12.04% | 11.59% | +0.45% | 77th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.03% | 11.33% | -0.30% | 61st above |
| TCE / Tangible Assets | 10.98% | 10.65% | +0.33% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.06% | 86.35% | +3.71% | 45th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.70% | 85.55% | +2.15% | 44th below |
| Uninsured Deposit Ratio | 26.32% | 32.72% | -6.40% | 67th above |
| Wholesale Funding Ratio | 3.74% | 5.45% | -1.71% | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.37% | 10.47% | -11.84% | 11th bottom |
| Loan Growth (Y/Y) | -5.14% | 8.01% | -13.15% | 5th bottom |
| Deposit Growth (Y/Y) | -2.36% | 7.99% | -10.35% | 10th bottom |
See Main Street Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Main Street 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 Main Street Bank profile, how to read a UBPR, or how this data updates.