Pentucket Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pentucket Bank of Haverhill, 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 | 1.10% | 1.34% | -0.24% | 35th below |
| ROAE | 10.47% | 12.34% | -1.87% | 34th below |
| Net Interest Margin | 2.76% | 3.83% | -1.07% | 8th bottom |
| Efficiency Ratio | 79.63% | 58.97% | +20.66% | 7th bottom |
| PPNR / Avg Assets | 0.60% | — | — | 4th bottom |
| Yield on Earning Assets | 4.89% | 5.71% | -0.82% | 16th bottom |
| Cost of Funds | 2.32% | 2.02% | +0.30% | 28th below |
| Net Interest Spread | 2.24% | — | — | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.79% | 0.87% | -0.08% | 35th below |
| NPA / Total Assets | 0.63% | — | — | 35th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.43% | -0.35% | 33rd below |
| ACL / Total Loans | 1.04% | — | — | 36th below |
| ACL / NPLs (Coverage) | 132.53% | — | — | 34th below |
| Texas Ratio | 5.49% | 5.48% | +0.01% | 35th below |
| Provision / NCO | 117.82% | — | — | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.67% | 11.11% | +0.56% | 72nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.69% | 11.02% | -0.33% | 54th above |
| TCE / Tangible Assets | 10.69% | — | — | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.49% | 86.99% | +15.50% | 12th bottom |
| Core Deposit Ratio | 80.44% | 85.57% | -5.13% | 21st bottom |
| Uninsured Deposit Ratio | 33.82% | 33.19% | +0.63% | 42nd below |
| Wholesale Funding Ratio | 9.44% | — | — | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.42% | — | — | 36th below |
| Loan Growth (Y/Y) | 3.79% | — | — | 39th below |
| Deposit Growth (Y/Y) | 2.17% | — | — | 30th below |
See Pentucket Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pentucket 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 Pentucket 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 Pentucket Bank peer analysis.