Mechanics Cooperative Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mechanics Cooperative Bank of Taunton, MA against its peer group of 2603 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 | 1.36% | 1.34% | +0.02% | 56th above |
| ROAE | 10.19% | 13.33% | -3.14% | 37th below |
| Net Interest Margin | 4.35% | 3.93% | +0.42% | 73rd above |
| Efficiency Ratio | 54.01% | 61.14% | -7.13% | 72nd above |
| PPNR / Avg Assets | 1.83% | 1.68% | +0.15% | 64th above |
| Yield on Earning Assets | 6.41% | 5.67% | +0.74% | 84th top |
| Cost of Funds | 2.26% | 1.88% | +0.38% | 23rd bottom |
| Net Interest Spread | 3.80% | 3.32% | +0.48% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.07% | 0.94% | -0.87% | 76th top |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 76th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.86% | 1.28% | -0.42% | 14th bottom |
| ACL / NPLs (Coverage) | 1177.15% | 1546.47% | -369.32% | — |
| Texas Ratio | 0.48% | 7.34% | -6.86% | 80th top |
| Provision / NCO | 1770.00% | 1394.37% | +375.63% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.38% | 19.49% | -5.11% | 43rd below |
| Tier 1 Ratio | 14.38% | 19.53% | -5.15% | 42nd below |
| Total Capital Ratio | 15.37% | 20.61% | -5.24% | 41st below |
| Leverage Ratio | 12.38% | 12.14% | +0.24% | 69th above |
| Equity / Assets | 13.19% | 11.36% | +1.83% | 80th top |
| TCE / Tangible Assets | 12.04% | 11.08% | +0.96% | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 109.75% | 80.64% | +29.11% | 4th bottom |
| Core Deposit Ratio | 80.87% | 86.85% | -5.98% | 18th bottom |
| Wholesale Funding Ratio | 9.89% | 5.03% | +4.86% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.21% | 6.84% | +1.37% | 76th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.99% | 7.92% | -0.93% | 60th above |
| Deposit Growth (Y/Y) | 3.40% | 6.29% | -2.89% | 46th below |
See Mechanics Cooperative Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mechanics Cooperative 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 Mechanics Cooperative Bank profile, how to read a UBPR, or how this data updates.