Mutual Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mutual Savings Bank of Franklin, IN 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 | 0.97% | 1.34% | -0.37% | 31st below |
| ROAE | 13.71% | 13.31% | +0.40% | 58th above |
| Net Interest Margin | 3.20% | 3.93% | -0.73% | 16th bottom |
| Efficiency Ratio | 68.64% | 61.14% | +7.50% | 31st below |
| PPNR / Avg Assets | 1.09% | 1.68% | -0.59% | 24th bottom |
| Yield on Earning Assets | 5.27% | 5.67% | -0.40% | 34th below |
| Cost of Funds | 2.21% | 1.88% | +0.33% | 26th below |
| Net Interest Spread | 2.74% | 3.32% | -0.58% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 49th below |
| ACL / Total Loans | 1.39% | 1.28% | +0.11% | 71st above |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
| Provision / NCO | -5000.00% | 1398.81% | -6398.81% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.05% | 19.51% | -6.46% | 29th below |
| Tier 1 Ratio | 13.05% | 19.54% | -6.49% | 28th below |
| Total Capital Ratio | 14.27% | 20.62% | -6.35% | 30th below |
| Leverage Ratio | 10.22% | 12.14% | -1.92% | 36th below |
| Equity / Assets | 7.14% | 11.38% | -4.24% | 7th bottom |
| TCE / Tangible Assets | 7.14% | 11.09% | -3.95% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.72% | 80.64% | -1.92% | 54th above |
| Core Deposit Ratio | 90.77% | 86.86% | +3.91% | 59th above |
| Wholesale Funding Ratio | 11.90% | 5.03% | +6.87% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.47% | 6.85% | +2.62% | 81st top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.34% | 7.90% | -2.56% | 50th above |
| Deposit Growth (Y/Y) | 16.36% | 6.28% | +10.08% | 92nd top |
See Mutual Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mutual 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 Mutual Savings Bank profile, how to read a UBPR, or how this data updates.