Primary Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Primary Bank of Bedford, NH 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 | 2.21% | 1.35% | +0.86% | 90th top |
| ROAE | 13.82% | 12.05% | +1.77% | 59th above |
| Net Interest Margin | 4.11% | 3.90% | +0.21% | 59th above |
| Efficiency Ratio | 43.60% | 63.16% | -19.56% | 91st top |
| PPNR / Avg Assets | 2.34% | 1.64% | +0.70% | 85th top |
| Yield on Earning Assets | 5.87% | 5.65% | +0.22% | 63rd above |
| Cost of Funds | 2.11% | 1.85% | +0.26% | 31st below |
| Net Interest Spread | 3.06% | 3.35% | -0.29% | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.48% | 0.92% | +0.56% | 18th bottom |
| NPA / Total Assets | 1.73% | 0.67% | +1.06% | 9th bottom |
| NCO / Avg Loans | 0.18% | 0.15% | +0.03% | 13th bottom |
| ACL / Total Loans | 0.99% | 1.28% | -0.29% | 24th bottom |
| ACL / NPLs (Coverage) | 66.57% | 1645.81% | -1579.24% | 17th bottom |
| Texas Ratio | 10.43% | 7.15% | +3.28% | 21st bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 190.48% | 1189.81% | -999.33% | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.36% | 20.83% | -4.47% | 60th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.36% | 20.86% | -4.50% | 60th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.40% | 21.94% | -4.54% | 59th above |
| Leverage Ratio | 16.32% | 12.46% | +3.86% | 91st top |
| Equity / Assets | 15.78% | 11.67% | +4.11% | 90th top |
| TCE / Tangible Assets | 15.78% | 11.40% | +4.38% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 104.22% | 78.63% | +25.59% | 7th bottom |
| Core Deposit Ratio | 86.37% | 87.09% | -0.72% | 36th below |
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. | 6.18% | 6.47% | -0.29% | 63rd above |
| Loan Growth (Y/Y) | 8.45% | 7.64% | +0.81% | 67th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.10% | 6.02% | -0.92% | 58th above |
See Primary Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Primary 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 Primary Bank profile, how to read a UBPR, or how this data updates.