Needham Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Needham Bank of Needham, 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 | 1.21% | 1.44% | -0.23% | 45th below |
| ROAE | 10.93% | 12.51% | -1.58% | 40th below |
| Net Interest Margin | 3.96% | 3.84% | +0.12% | 66th above |
| Efficiency Ratio | 55.71% | 58.87% | -3.16% | 59th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.76% | 1.78% | -0.02% | 52nd above |
| Yield on Earning Assets | 6.51% | 5.71% | +0.80% | 89th top |
| Cost of Funds | 2.92% | 2.03% | +0.89% | 10th bottom |
| Net Interest Spread | 3.33% | 3.18% | +0.15% | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.43% | 0.96% | -0.53% | 64th above |
| NPA / Total Assets | 0.37% | 0.75% | -0.38% | 59th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.31% | -0.24% | 36th below |
| ACL / Total Loans | 1.27% | 1.25% | +0.02% | 66th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 296.76% | 699.29% | -402.53% | 69th above |
| Texas Ratio | 3.23% | 7.17% | -3.94% | 64th above |
| Provision / NCO | 63.79% | 815.53% | -751.74% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.50% | 17.41% | -5.91% | 17th bottom |
| Tier 1 Ratio | 11.50% | 17.45% | -5.95% | 17th bottom |
| Total Capital Ratio | 12.31% | 18.51% | -6.20% | 14th bottom |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.89% | 11.60% | -0.71% | 58th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.93% | 11.33% | -0.40% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.50% | 10.65% | -0.15% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.56% | 86.33% | +16.23% | 12th bottom |
| Core Deposit Ratio | 76.60% | 85.57% | -8.97% | 16th bottom |
| Uninsured Deposit Ratio | 28.20% | 32.71% | -4.51% | 59th above |
| Wholesale Funding Ratio | 2.44% | 5.46% | -3.02% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 44.68% | 10.42% | +34.26% | 98th top |
| Loan Growth (Y/Y) | 42.76% | 7.95% | +34.81% | 97th top |
| Deposit Growth (Y/Y) | 47.77% | 7.94% | +39.83% | 98th top |
See Needham Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Needham 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 Needham Bank profile, how to read a UBPR, or how this data updates.