Rockland Savings Bank, FSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Rockland Savings Bank, FSB of Rockland, ME against its peer group of 536 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 | 0.23% | 3.14% | -2.91% | 18th bottom |
| ROAE | 2.28% | 10.44% | -8.16% | 21st bottom |
| Net Interest Margin | 3.79% | 3.93% | -0.14% | 45th below |
| Efficiency Ratio | 91.15% | 76.26% | +14.89% | 17th bottom |
| PPNR / Avg Assets | 0.34% | 1.40% | -1.06% | 17th bottom |
| Yield on Earning Assets | 5.76% | 5.35% | +0.41% | 69th above |
| Cost of Funds | 2.50% | 1.70% | +0.80% | 15th bottom |
| Net Interest Spread | 3.20% | 3.31% | -0.11% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.56% | 1.34% | -0.78% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.48% | 0.71% | -0.23% | 32nd below |
| NCO / Avg Loans | -0.01% | 0.11% | -0.12% | 81st top |
| ACL / Total Loans | 0.81% | 1.49% | -0.68% | 15th bottom |
| ACL / NPLs (Coverage) | 144.37% | 866.83% | -722.46% | 48th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.38% | 8.26% | -3.88% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.54% | 62.11% | -47.57% | 20th bottom |
| Tier 1 Ratio | 14.54% | 62.12% | -47.58% | 20th bottom |
| Total Capital Ratio | 15.60% | 63.08% | -47.48% | 20th bottom |
| Leverage Ratio | 9.67% | 17.62% | -7.95% | 15th bottom |
| Equity / Assets | 10.25% | 16.44% | -6.19% | 29th below |
| TCE / Tangible Assets | 10.25% | 16.19% | -5.94% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 113.81% | 72.72% | +41.09% | 3rd bottom |
| Core Deposit Ratio | 85.54% | 88.22% | -2.68% | 26th below |
| Wholesale Funding Ratio | 13.89% | 5.22% | +8.67% | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.57% | 4.32% | -6.89% | 19th bottom |
| Loan Growth (Y/Y) | -2.58% | 6.75% | -9.33% | 29th below |
| Deposit Growth (Y/Y) | -6.41% | 3.80% | -10.21% | 10th bottom |
See Rockland Savings Bank, FSB's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Rockland Savings Bank, FSB, 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 Rockland Savings Bank, FSB profile, how to read a UBPR, or how this data updates.