Massena Savings and Loan: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Massena Savings and Loan of Massena, NY against its peer group of 2672 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 | 1.18% | 1.34% | -0.16% | 44th below |
| ROAE | 7.85% | 13.32% | -5.47% | 24th bottom |
| Net Interest Margin | 3.65% | 3.93% | -0.28% | 34th below |
| Efficiency Ratio | 54.98% | 61.14% | -6.16% | 69th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.66% | 1.68% | -0.02% | 54th above |
| Yield on Earning Assets | 6.06% | 5.67% | +0.39% | 71st above |
| Cost of Funds | 2.60% | 1.88% | +0.72% | 13th bottom |
| Net Interest Spread | 3.20% | 3.32% | -0.12% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.89% | 0.94% | +0.95% | 14th bottom |
| NPA / Total Assets | 1.90% | 0.70% | +1.20% | 8th bottom |
| NCO / Avg Loans | 0.21% | 0.16% | +0.05% | 12th bottom |
| ACL / Total Loans | 0.69% | 1.28% | -0.59% | 7th bottom |
| ACL / NPLs (Coverage) | 36.83% | 1538.99% | -1502.16% | 5th bottom |
| Texas Ratio | 11.98% | 7.33% | +4.65% | 17th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 150.51% | 1395.86% | -1245.35% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.86% | 19.50% | +3.36% | 85th top |
| Tier 1 Ratio | 22.86% | 19.53% | +3.33% | 85th top |
| Total Capital Ratio | 23.81% | 20.62% | +3.19% | 84th top |
| Leverage Ratio | 15.15% | 12.14% | +3.01% | 87th top |
| Equity / Assets | 15.19% | 11.37% | +3.82% | 89th top |
| TCE / Tangible Assets | 15.19% | 11.09% | +4.10% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 122.53% | 80.63% | +41.90% | 1st bottom |
| Core Deposit Ratio | 80.39% | 86.86% | -6.47% | 17th bottom |
| Wholesale Funding Ratio | 10.51% | 5.03% | +5.48% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.89% | 6.85% | -0.96% | 61st above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.38% | 7.90% | -1.52% | 57th above |
| Deposit Growth (Y/Y) | 0.72% | 6.29% | -5.57% | 27th below |
See Massena Savings and Loan's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Massena Savings and Loan, 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 Massena Savings and Loan profile, how to read a UBPR, or how this data updates.