The Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Savings Bank of Circleville, OH 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 | 0.79% | 1.34% | -0.55% | 22nd bottom |
| ROAE | 8.01% | 13.32% | -5.31% | 25th below |
| Net Interest Margin | 3.56% | 3.93% | -0.37% | 30th below |
| Efficiency Ratio | 71.48% | 61.13% | +10.35% | 25th below |
| PPNR / Avg Assets | 1.03% | 1.68% | -0.65% | 22nd bottom |
| Yield on Earning Assets | 5.02% | 5.67% | -0.65% | 24th bottom |
| Cost of Funds | 1.54% | 1.88% | -0.34% | 67th above |
| Net Interest Spread | 3.04% | 3.32% | -0.28% | 35th 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. | 0.74% | 0.94% | -0.20% | 36th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.56% | 0.70% | -0.14% | 35th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.16% | -0.08% | 21st bottom |
| ACL / Total Loans | 0.88% | 1.28% | -0.40% | 15th bottom |
| ACL / NPLs (Coverage) | 118.32% | 1539.46% | -1421.14% | 33rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.93% | 7.33% | -1.40% | 36th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 171.30% | 1396.43% | -1225.13% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.94% | 19.51% | -4.57% | 48th below |
| Tier 1 Ratio | 14.94% | 19.54% | -4.60% | 48th below |
| Total Capital Ratio | 15.97% | 20.63% | -4.66% | 47th below |
| Leverage Ratio | 9.42% | 12.14% | -2.72% | 20th bottom |
| Equity / Assets | 10.26% | 11.37% | -1.11% | 49th below |
| TCE / Tangible Assets | 8.87% | 11.09% | -2.22% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.77% | 80.63% | +6.14% | 36th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.13% | 86.86% | +0.27% | 39th below |
| Wholesale Funding Ratio | 2.31% | 5.04% | -2.73% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.07% | 6.86% | -6.79% | 20th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.06% | 7.90% | -0.84% | 60th above |
| Deposit Growth (Y/Y) | 2.48% | 6.29% | -3.81% | 39th below |
See The Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Savings 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 The Savings Bank profile, how to read a UBPR, or how this data updates.