North Cambridge Co-Operative Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks North Cambridge Co-Operative Bank of Cambridge, MA against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.27% | 3.14% | -1.87% | 62nd above |
| ROAE | 4.15% | 10.43% | -6.28% | 30th below |
| Net Interest Margin | 3.00% | 3.93% | -0.93% | 14th bottom |
| Efficiency Ratio | 97.52% | 76.25% | +21.27% | 14th bottom |
| PPNR / Avg Assets | 0.07% | 1.40% | -1.33% | 13th bottom |
| Yield on Earning Assets | 3.96% | 5.35% | -1.39% | 12th bottom |
| Cost of Funds | 1.30% | 1.71% | -0.41% | 64th above |
| Net Interest Spread | 2.53% | 3.31% | -0.78% | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.02% | 1.49% | -0.47% | 29th below |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 64.52% | 61.85% | +2.67% | 82nd top |
| Tier 1 Ratio | 64.52% | 61.85% | +2.67% | 82nd top |
| Total Capital Ratio | 65.77% | 62.82% | +2.95% | 82nd top |
| Leverage Ratio | 29.10% | 17.58% | +11.52% | 87th top |
| Equity / Assets | 29.00% | 16.39% | +12.61% | 87th top |
| TCE / Tangible Assets | 29.00% | 16.14% | +12.86% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.62% | 72.82% | +1.80% | 39th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.63% | 88.21% | +1.42% | 39th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.21% | 4.31% | -2.10% | 47th below |
| Loan Growth (Y/Y) | -5.64% | 6.75% | -12.39% | 17th bottom |
| Deposit Growth (Y/Y) | 2.03% | 3.77% | -1.74% | 49th below |
See North Cambridge Co-Operative Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock North Cambridge Co-Operative 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 North Cambridge Co-Operative Bank profile, how to read a UBPR, or how this data updates.