Savers Co-Operative Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Savers Co-Operative Bank of Southbridge, MA 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 | 0.67% | 1.34% | -0.67% | 18th bottom |
| ROAE | 6.67% | 13.32% | -6.65% | 20th bottom |
| Net Interest Margin | 3.08% | 3.93% | -0.85% | 12th bottom |
| Efficiency Ratio | 69.55% | 61.13% | +8.42% | 29th below |
| PPNR / Avg Assets | 1.01% | 1.68% | -0.67% | 21st bottom |
| Yield on Earning Assets | 5.00% | 5.67% | -0.67% | 24th bottom |
| Cost of Funds | 1.92% | 1.88% | +0.04% | 42nd below |
| Net Interest Spread | 2.60% | 3.32% | -0.72% | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.79% | 0.94% | +2.85% | 4th bottom |
| NPA / Total Assets | 2.96% | 0.70% | +2.26% | 3rd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 37th below |
| ACL / Total Loans | 1.37% | 1.28% | +0.09% | 69th above |
| ACL / NPLs (Coverage) | 36.19% | 1539.92% | -1503.73% | 5th bottom |
| Texas Ratio | 25.81% | 7.32% | +18.49% | 4th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 272.50% | 1396.79% | -1124.29% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.30% | 12.14% | -0.84% | 55th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.40% | 11.38% | -0.98% | 51st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.40% | 11.09% | -0.69% | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.89% | 80.62% | +28.27% | 4th bottom |
| Core Deposit Ratio | 79.10% | 86.87% | -7.77% | 14th bottom |
| Wholesale Funding Ratio | 16.84% | 5.02% | +11.82% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.55% | 6.86% | -7.41% | 16th bottom |
| Loan Growth (Y/Y) | -0.50% | 7.91% | -8.41% | 21st bottom |
| Deposit Growth (Y/Y) | 1.54% | 6.29% | -4.75% | 32nd below |
See Savers Co-Operative Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Savers 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 Savers Co-Operative Bank profile, how to read a UBPR, or how this data updates.