Middlesex Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Middlesex Savings Bank of Natick, MA against its peer group of 931 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 | 0.86% | 1.44% | -0.58% | 22nd bottom |
| ROAE | 6.61% | 12.51% | -5.90% | 14th bottom |
| Net Interest Margin | 2.77% | 3.84% | -1.07% | 8th bottom |
| Efficiency Ratio | 63.22% | 58.87% | +4.35% | 36th below |
| PPNR / Avg Assets | 1.08% | 1.78% | -0.70% | 18th bottom |
| Yield on Earning Assets | 4.61% | 5.71% | -1.10% | 9th bottom |
| Cost of Funds | 2.04% | 2.03% | +0.01% | 48th below |
| Net Interest Spread | 1.96% | 3.18% | -1.22% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.39% | 0.96% | -0.57% | 66th above |
| NPA / Total Assets | 0.24% | 0.75% | -0.51% | 71st above |
| NCO / Avg Loans | 0.02% | 0.31% | -0.29% | 54th above |
| ACL / Total Loans | 0.90% | 1.25% | -0.35% | 19th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 227.90% | 699.36% | -471.46% | 59th above |
| Texas Ratio | 1.80% | 7.17% | -5.37% | 79th top |
| Provision / NCO | -196.15% | 815.87% | -1012.02% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.24% | 17.41% | +0.83% | 87th top |
| Tier 1 Ratio | 18.24% | 17.44% | +0.80% | 87th top |
| Total Capital Ratio | 19.01% | 18.50% | +0.51% | 86th top |
| Leverage Ratio | 13.44% | 11.59% | +1.85% | 88th top |
| Equity / Assets | 13.14% | 11.33% | +1.81% | 85th top |
| TCE / Tangible Assets | 12.94% | 10.65% | +2.29% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.19% | 86.37% | -13.18% | 81st top |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.25% | 85.55% | +2.70% | 48th below |
| Uninsured Deposit Ratio | 22.40% | 32.72% | -10.32% | 79th top |
| Wholesale Funding Ratio | 2.10% | 5.46% | -3.36% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.77% | 10.47% | -9.70% | 20th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.40% | 7.99% | -1.59% | 55th above |
| Deposit Growth (Y/Y) | -1.10% | 7.99% | -9.09% | 14th bottom |
See Middlesex Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Middlesex Savings 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 Middlesex Savings Bank profile, how to read a UBPR, or how this data updates.