Martha's Vineyard Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Martha's Vineyard Bank of Edgartown, MA against its peer group of 941 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 | 0.66% | 1.34% | -0.68% | 12th bottom |
| ROAE | 5.96% | 12.34% | -6.38% | 11th bottom |
| Net Interest Margin | 3.12% | 3.83% | -0.71% | 18th bottom |
| Efficiency Ratio | 74.42% | 58.97% | +15.45% | 12th bottom |
| PPNR / Avg Assets | 0.91% | — | — | 11th bottom |
| Yield on Earning Assets | 4.60% | 5.71% | -1.11% | 9th bottom |
| Cost of Funds | 1.62% | 2.02% | -0.40% | 74th above |
| Net Interest Spread | 2.52% | — | — | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.87% | -0.78% | 89th top |
| NPA / Total Assets | 0.07% | — | — | 88th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 69th above |
| ACL / Total Loans | 0.79% | — | — | 14th bottom |
| ACL / NPLs (Coverage) | 923.08% | — | — | 87th top |
| Texas Ratio | 0.62% | 5.48% | -4.86% | 88th top |
| Provision / NCO | 1366.67% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.75% | 11.11% | +0.64% | 73rd above |
| Equity / Assets | 11.09% | 11.02% | +0.07% | 61st above |
| TCE / Tangible Assets | 11.08% | — | — | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 105.55% | 86.99% | +18.56% | 8th bottom |
| Core Deposit Ratio | 84.34% | 85.57% | -1.23% | 32nd below |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 31.81% | 33.19% | -1.38% | 47th below |
| Wholesale Funding Ratio | 7.81% | — | — | 24th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.03% | — | — | 20th bottom |
| Loan Growth (Y/Y) | -0.45% | — | — | 15th bottom |
| Deposit Growth (Y/Y) | 0.97% | — | — | 22nd bottom |
See Martha's Vineyard Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Martha's Vineyard 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 Martha's Vineyard 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 Martha's Vineyard Bank peer analysis.