Mutualone Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mutualone Bank of Framingham, 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 | 1.50% | 1.46% | +0.04% | 66th above |
| ROAE | 7.30% | 12.72% | -5.42% | 17th bottom |
| Net Interest Margin | 3.22% | 3.85% | -0.63% | 23rd bottom |
| Efficiency Ratio | 65.34% | 57.40% | +7.94% | 30th below |
| PPNR / Avg Assets | 1.13% | 1.88% | -0.75% | 20th bottom |
| Yield on Earning Assets | 5.49% | 5.72% | -0.23% | 48th below |
| Cost of Funds | 2.92% | 2.02% | +0.90% | 10th bottom |
| Net Interest Spread | 2.21% | 3.18% | -0.97% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 6.50% | 1.00% | +5.50% | 1st bottom |
| NPA / Total Assets | 4.75% | 0.76% | +3.99% | 1st bottom |
| NCO / Avg Loans | -0.18% | 0.43% | -0.61% | 99th top |
| ACL / Total Loans | 2.97% | 1.31% | +1.66% | 98th top |
| ACL / NPLs (Coverage) | 45.63% | 543.59% | -497.96% | 7th bottom |
| Texas Ratio | 20.41% | 7.38% | +13.03% | 6th bottom |
| Provision / NCO | 18.12% | 618.94% | -600.82% | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 21.09% | 11.43% | +9.66% | 98th top |
| Equity / Assets | 21.12% | 11.33% | +9.79% | 98th top |
| TCE / Tangible Assets | 21.12% | 10.49% | +10.63% | 99th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.25% | 86.95% | +9.30% | 26th below |
| Core Deposit Ratio | 75.40% | 85.56% | -10.16% | 14th bottom |
| Uninsured Deposit Ratio | 34.83% | 33.12% | +1.71% | 39th below |
| Wholesale Funding Ratio | 1.29% | 5.71% | -4.42% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.03% | 9.69% | -9.66% | 16th bottom |
| Loan Growth (Y/Y) | -17.28% | 8.07% | -25.35% | 1st bottom |
| Deposit Growth (Y/Y) | 8.29% | 7.87% | +0.42% | 69th above |
See Mutualone Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mutualone 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 Mutualone Bank profile, how to read a UBPR, or how this data updates.