Reading Co-Operative Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Reading Co-Operative Bank of Reading, 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 | 0.42% | 1.34% | -0.92% | 6th bottom |
| ROAE | 6.41% | 12.34% | -5.93% | 12th bottom |
| Net Interest Margin | 3.32% | 3.83% | -0.51% | 27th below |
| Efficiency Ratio | 80.16% | 58.97% | +21.19% | 6th bottom |
| PPNR / Avg Assets | 0.67% | — | — | 5th bottom |
| Yield on Earning Assets | 5.33% | 5.71% | -0.38% | 37th below |
| Cost of Funds | 2.19% | 2.02% | +0.17% | 37th below |
| Net Interest Spread | 2.80% | — | — | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.87% | -0.81% | 91st top |
| NPA / Total Assets | 0.05% | — | — | 91st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.43% | -0.33% | 28th below |
| ACL / Total Loans | 0.57% | — | — | 5th bottom |
| ACL / NPLs (Coverage) | 996.93% | — | — | 89th top |
| Texas Ratio | 0.73% | 5.48% | -4.75% | 87th top |
| Provision / NCO | 144.30% | — | — | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.61% | 14.99% | -4.38% | 4th bottom |
| Tier 1 Ratio | 10.61% | 15.02% | -4.41% | 4th bottom |
| Total Capital Ratio | 11.33% | — | — | 3rd bottom |
| Leverage Ratio | 7.35% | 11.11% | -3.76% | 1st bottom |
| Equity / Assets | 6.49% | 11.02% | -4.53% | 2nd bottom |
| TCE / Tangible Assets | 5.99% | — | — | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.46% | 86.99% | +8.47% | 28th below |
| Core Deposit Ratio | 83.35% | 85.57% | -2.22% | 29th below |
| Uninsured Deposit Ratio | 30.99% | 33.19% | -2.20% | 50th above |
| Wholesale Funding Ratio | 5.99% | — | — | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.07% | — | — | 8th bottom |
| Loan Growth (Y/Y) | 0.14% | — | — | 17th bottom |
| Deposit Growth (Y/Y) | -4.03% | — | — | 5th bottom |
See Reading Co-Operative Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Reading 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 Reading Co-Operative 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 Reading Co-Operative Bank peer analysis.