Pittsfield Co-Operative Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pittsfield Co-Operative Bank of Pittsfield, MA against its peer group of 2672 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 | 0.27% | 1.34% | -1.07% | 8th bottom |
| ROAE | 2.19% | 13.32% | -11.13% | 8th bottom |
| Net Interest Margin | 3.14% | 3.93% | -0.79% | 14th bottom |
| Efficiency Ratio | 91.32% | 61.13% | +30.19% | 5th bottom |
| PPNR / Avg Assets | 0.30% | 1.68% | -1.38% | 5th bottom |
| Yield on Earning Assets | 5.21% | 5.67% | -0.46% | 31st below |
| Cost of Funds | 2.22% | 1.88% | +0.34% | 25th below |
| Net Interest Spread | 2.50% | 3.32% | -0.82% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 0.94% | -0.58% | 53rd above |
| NPA / Total Assets | 0.28% | 0.70% | -0.42% | 53rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 44th below |
| ACL / Total Loans | 0.68% | 1.28% | -0.60% | 6th bottom |
| ACL / NPLs (Coverage) | 187.68% | 1539.32% | -1351.64% | 46th below |
| Texas Ratio | 2.16% | 7.33% | -5.17% | 61st above |
| Provision / NCO | 93.75% | 1396.36% | -1302.61% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.63% | 19.50% | -0.87% | 72nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.63% | 19.54% | -0.91% | 72nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.36% | 20.62% | -1.26% | 70th above |
| Leverage Ratio | 13.41% | 12.14% | +1.27% | 78th top |
| Equity / Assets | 12.32% | 11.37% | +0.95% | 74th above |
| TCE / Tangible Assets | 12.32% | 11.09% | +1.23% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 105.66% | 80.63% | +25.03% | 6th bottom |
| Core Deposit Ratio | 83.40% | 86.86% | -3.46% | 25th below |
| Wholesale Funding Ratio | 14.52% | 5.03% | +9.49% | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.76% | 6.85% | -0.09% | 67th above |
| Loan Growth (Y/Y) | 19.68% | 7.90% | +11.78% | 92nd top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.38% | 6.29% | -1.91% | 53rd above |
See Pittsfield Co-Operative Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pittsfield 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 Pittsfield Co-Operative Bank profile, how to read a UBPR, or how this data updates.