Marblehead Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Marblehead Bank of Marblehead, MA against its peer group of 2757 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 | 0.44% | 1.25% | -0.81% | 10th bottom |
| ROAE | 4.42% | 12.22% | -7.80% | 11th bottom |
| Net Interest Margin | 3.97% | 3.95% | +0.02% | 51st above |
| Efficiency Ratio | 85.38% | 63.71% | +21.67% | 8th bottom |
| PPNR / Avg Assets | 0.60% | — | — | 9th bottom |
| Yield on Earning Assets | 4.80% | 5.67% | -0.87% | 16th bottom |
| Cost of Funds | 0.90% | 1.87% | -0.97% | 93rd top |
| Net Interest Spread | 3.71% | — | — | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.30% | 0.88% | -0.58% | 57th above |
| NPA / Total Assets | 0.24% | — | — | 56th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 46th below |
| ACL / Total Loans | 0.60% | — | — | 4th bottom |
| ACL / NPLs (Coverage) | 201.90% | — | — | 48th below |
| Texas Ratio | 2.28% | 5.96% | -3.68% | 55th above |
| Provision / NCO | 1250.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.99% | 17.18% | -0.19% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.99% | 17.21% | -0.22% | 63rd above |
| Total Capital Ratio | 17.81% | — | — | 62nd above |
| Leverage Ratio | 10.11% | 11.75% | -1.64% | 34th below |
| Equity / Assets | 10.07% | 10.98% | -0.91% | 45th below |
| TCE / Tangible Assets | 10.07% | — | — | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.73% | 80.44% | +12.29% | 23rd bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.67% | 86.95% | +1.72% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.16% | — | — | 33rd below |
| Loan Growth (Y/Y) | -0.01% | — | — | 22nd bottom |
| Deposit Growth (Y/Y) | 1.69% | — | — | 33rd below |
See Marblehead Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Marblehead 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 Marblehead 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 Marblehead Bank peer analysis.