Middlesex Federal Savings, F.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Middlesex Federal Savings, F.A. of Somerville, 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 | 0.17% | 1.25% | -1.08% | 5th bottom |
| ROAE | 1.98% | 12.22% | -10.24% | 6th bottom |
| Net Interest Margin | 2.73% | 3.95% | -1.22% | 5th bottom |
| Efficiency Ratio | 93.88% | 63.71% | +30.17% | 3rd bottom |
| PPNR / Avg Assets | 0.22% | — | — | 4th bottom |
| Yield on Earning Assets | 4.95% | 5.67% | -0.72% | 21st bottom |
| Cost of Funds | 2.37% | 1.87% | +0.50% | 18th bottom |
| Net Interest Spread | 2.39% | — | — | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.88% | -0.84% | 80th top |
| NPA / Total Assets | 0.04% | — | — | 80th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 49th below |
| ACL / Total Loans | 1.20% | — | — | 50th above |
| ACL / NPLs (Coverage) | 2706.36% | — | — | — |
| Texas Ratio | 0.37% | 5.96% | -5.59% | 79th top |
| Provision / NCO | 0.00% | — | — | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.97% | 11.75% | -1.78% | 30th below |
| Equity / Assets | 8.70% | 10.98% | -2.28% | 22nd bottom |
| TCE / Tangible Assets | 8.70% | — | — | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.54% | 80.44% | +12.10% | 24th bottom |
| Core Deposit Ratio | 94.46% | 86.95% | +7.51% | 82nd top |
| Wholesale Funding Ratio | 2.52% | — | — | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.06% | — | — | 13th bottom |
| Loan Growth (Y/Y) | 0.03% | — | — | 22nd bottom |
| Deposit Growth (Y/Y) | -2.26% | — | — | 12th bottom |
See Middlesex Federal Savings, F.A.'s peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Middlesex Federal Savings, F.A., 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 Middlesex Federal Savings, F.A. 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 Middlesex Federal Savings, F.A. peer analysis.