Monson Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Monson Savings Bank of Monson, MA 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 | 1.01% | 1.34% | -0.33% | 34th below |
| ROAE | 11.25% | 13.32% | -2.07% | 43rd below |
| Net Interest Margin | 3.49% | 3.93% | -0.44% | 27th below |
| Efficiency Ratio | 64.85% | 61.14% | +3.71% | 40th below |
| PPNR / Avg Assets | 1.33% | 1.68% | -0.35% | 35th below |
| Yield on Earning Assets | 5.19% | 5.67% | -0.48% | 31st below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.82% | 1.88% | -0.06% | 49th below |
| Net Interest Spread | 2.90% | 3.32% | -0.42% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 0.94% | -0.76% | 65th above |
| NPA / Total Assets | 0.14% | 0.70% | -0.56% | 65th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 43rd below |
| ACL / Total Loans | 0.67% | 1.28% | -0.61% | 6th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 373.58% | 1539.67% | -1166.09% | 65th above |
| Texas Ratio | 2.35% | 7.34% | -4.99% | 60th above |
| Provision / NCO | 94.44% | 1397.04% | -1302.60% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.55% | 12.14% | -2.59% | 23rd bottom |
| Equity / Assets | 9.39% | 11.38% | -1.99% | 34th below |
| TCE / Tangible Assets | 9.39% | 11.09% | -1.70% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.38% | 80.63% | +7.75% | 32nd below |
| Core Deposit Ratio | 81.22% | 86.86% | -5.64% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.66% | 6.85% | +0.81% | 73rd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.28% | 7.90% | -0.62% | 62nd above |
| Deposit Growth (Y/Y) | 6.86% | 6.29% | +0.57% | 70th above |
See Monson Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Monson 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 Monson Savings Bank profile, how to read a UBPR, or how this data updates.