Profile Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Profile Bank of Rochester, NH against its peer group of 2757 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 | 0.22% | 1.25% | -1.03% | 5th bottom |
| ROAE | 2.38% | 12.22% | -9.84% | 7th bottom |
| Net Interest Margin | 3.09% | 3.95% | -0.86% | 12th bottom |
| Efficiency Ratio | 91.86% | 63.71% | +28.15% | 4th bottom |
| PPNR / Avg Assets | 0.26% | — | — | 4th bottom |
| Yield on Earning Assets | 4.20% | 5.67% | -1.47% | 4th bottom |
| Cost of Funds | 1.17% | 1.87% | -0.70% | 86th top |
| Net Interest Spread | 2.91% | — | — | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.88% | -0.86% | 84th top |
| NPA / Total Assets | 0.01% | — | — | 86th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.37% | — | — | 1st bottom |
| ACL / NPLs (Coverage) | 2306.25% | — | — | — |
| Texas Ratio | 0.11% | 5.96% | -5.85% | 85th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.27% | 11.75% | -2.48% | 16th bottom |
| Equity / Assets | 8.92% | 10.98% | -2.06% | 25th below |
| TCE / Tangible Assets | 8.92% | — | — | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.98% | 80.44% | -9.46% | 69th above |
| Core Deposit Ratio | 85.86% | 86.95% | -1.09% | 34th below |
| Wholesale Funding Ratio | 2.01% | — | — | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.12% | — | — | 18th bottom |
| Loan Growth (Y/Y) | 10.04% | — | — | 73rd above |
| Deposit Growth (Y/Y) | -2.65% | — | — | 11th bottom |
See Profile Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Profile 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 Profile 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 Profile Bank peer analysis.