Onelocal Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Onelocal Bank of Norwood, MA against its peer group of 941 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 | 1.05% | 1.34% | -0.29% | 31st below |
| ROAE | 7.69% | 12.34% | -4.65% | 18th bottom |
| Net Interest Margin | 3.60% | 3.83% | -0.23% | 41st below |
| Efficiency Ratio | 57.58% | 58.97% | -1.39% | 51st above |
| PPNR / Avg Assets | 1.46% | — | — | 33rd below |
| Yield on Earning Assets | 5.90% | 5.71% | +0.19% | 71st above |
| Cost of Funds | 2.62% | 2.02% | +0.60% | 17th bottom |
| Net Interest Spread | 3.01% | — | — | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.21% | 0.87% | -0.66% | 77th top |
| NPA / Total Assets | 0.19% | — | — | 74th above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 78th top |
| ACL / Total Loans | 0.89% | — | — | 18th bottom |
| ACL / NPLs (Coverage) | 414.69% | — | — | 73rd above |
| Texas Ratio | 1.29% | 5.48% | -4.19% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.68% | 11.11% | +2.57% | 88th top |
| Equity / Assets | 13.90% | 11.02% | +2.88% | 89th top |
| TCE / Tangible Assets | 13.59% | — | — | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.10% | 86.99% | +21.11% | 6th bottom |
| Core Deposit Ratio | 85.00% | 85.57% | -0.57% | 35th below |
| Uninsured Deposit Ratio | 36.84% | 33.19% | +3.65% | 35th below |
| Wholesale Funding Ratio | 5.14% | — | — | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.14% | — | — | 33rd below |
| Loan Growth (Y/Y) | 4.57% | — | — | 42nd below |
| Deposit Growth (Y/Y) | 2.45% | — | — | 32nd below |
See Onelocal Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Onelocal 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 Onelocal Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Onelocal Bank peer analysis.