Saco & Biddeford Savings Institution: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Saco & Biddeford Savings Institution of Saco, ME 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 | 0.32% | 1.34% | -1.02% | 4th bottom |
| ROAE | 3.44% | 12.34% | -8.90% | 5th bottom |
| Net Interest Margin | 2.34% | 3.83% | -1.49% | 3rd bottom |
| Efficiency Ratio | 90.05% | 58.97% | +31.08% | 2nd bottom |
| PPNR / Avg Assets | 0.28% | — | — | 2nd bottom |
| Yield on Earning Assets | 4.94% | 5.71% | -0.77% | 18th bottom |
| Cost of Funds | 2.70% | 2.02% | +0.68% | 15th bottom |
| Net Interest Spread | 1.66% | — | — | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 0.87% | -0.73% | 84th top |
| NPA / Total Assets | 0.11% | — | — | 83rd top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 82nd top |
| ACL / Total Loans | 0.42% | — | — | 2nd bottom |
| ACL / NPLs (Coverage) | 307.44% | — | — | 65th above |
| Texas Ratio | 1.18% | 5.48% | -4.30% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.02% | 11.11% | -1.09% | 37th below |
| Equity / Assets | 9.34% | 11.02% | -1.68% | 28th below |
| TCE / Tangible Assets | 9.05% | — | — | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 119.23% | 86.99% | +32.24% | 3rd bottom |
| Core Deposit Ratio | 73.27% | 85.57% | -12.30% | 12th bottom |
| Uninsured Deposit Ratio | 23.58% | 33.19% | -9.61% | 75th top |
| Wholesale Funding Ratio | 21.58% | — | — | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.19% | — | — | 28th below |
| Loan Growth (Y/Y) | 3.77% | — | — | 38th below |
| Deposit Growth (Y/Y) | -1.34% | — | — | 11th bottom |
See Saco & Biddeford Savings Institution's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Saco & Biddeford Savings Institution, 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 Saco & Biddeford Savings Institution 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 Saco & Biddeford Savings Institution peer analysis.