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 Wakefield, 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 | 0.74% | 1.34% | -0.60% | 20th bottom |
| ROAE | 7.99% | 13.32% | -5.33% | 25th below |
| Net Interest Margin | 2.60% | 3.93% | -1.33% | 4th bottom |
| Efficiency Ratio | 92.62% | 61.11% | +31.51% | 5th bottom |
| PPNR / Avg Assets | 0.23% | 1.68% | -1.45% | 5th bottom |
| Yield on Earning Assets | 4.67% | 5.67% | -1.00% | 13th bottom |
| Cost of Funds | 2.21% | 1.88% | +0.33% | 25th below |
| Net Interest Spread | 2.01% | 3.32% | -1.31% | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.94% | -0.77% | 66th above |
| NPA / Total Assets | 0.88% | 0.70% | +0.18% | 23rd bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 50th above |
| ACL / Total Loans | 0.76% | 1.28% | -0.52% | 9th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 433.72% | 1539.72% | -1106.00% | 68th above |
| Texas Ratio | 9.18% | 7.33% | +1.85% | 24th bottom |
| Provision / NCO | 4183.33% | 1391.83% | +2791.50% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.45% | 12.14% | -2.69% | 20th bottom |
| Equity / Assets | 9.36% | 11.38% | -2.02% | 33rd below |
| TCE / Tangible Assets | 9.05% | 11.09% | -2.04% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.22% | 80.63% | +3.59% | 42nd below |
| Core Deposit Ratio | 78.77% | 86.87% | -8.10% | 14th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.87% | 5.03% | -1.16% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.51% | 6.85% | -0.34% | 66th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.03% | 7.90% | -1.87% | 54th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.23% | 6.29% | -1.06% | 59th above |
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.