Schuyler Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Schuyler Savings Bank of Kearny, NJ 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 | 0.18% | 1.34% | -1.16% | 6th bottom |
| ROAE | 1.31% | 13.32% | -12.01% | 6th bottom |
| Net Interest Margin | 2.60% | 3.93% | -1.33% | 4th bottom |
| Efficiency Ratio | 91.36% | 61.14% | +30.22% | 5th bottom |
| PPNR / Avg Assets | 0.22% | 1.68% | -1.46% | 4th bottom |
| Yield on Earning Assets | 4.77% | 5.67% | -0.90% | 16th bottom |
| Cost of Funds | 2.63% | 1.88% | +0.75% | 12th bottom |
| Net Interest Spread | 2.20% | 3.32% | -1.12% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.45% | 0.94% | -0.49% | 47th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.38% | 0.70% | -0.32% | 45th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.81% | 1.28% | -0.47% | 11th bottom |
| ACL / NPLs (Coverage) | 181.18% | 1538.89% | -1357.71% | 45th below |
| Texas Ratio | 2.59% | 7.33% | -4.74% | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.07% | 12.14% | +1.93% | 82nd top |
| Equity / Assets | 13.96% | 11.37% | +2.59% | 84th top |
| TCE / Tangible Assets | 13.96% | 11.09% | +2.87% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.46% | 80.63% | +27.83% | 4th bottom |
| Core Deposit Ratio | 65.48% | 86.86% | -21.38% | 3rd bottom |
| Wholesale Funding Ratio | 5.95% | 5.03% | +0.92% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.57% | 6.85% | +2.72% | 81st top |
| Loan Growth (Y/Y) | 13.04% | 7.90% | +5.14% | 82nd top |
| Deposit Growth (Y/Y) | 9.99% | 6.29% | +3.70% | 83rd top |
See Schuyler Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Schuyler 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 Schuyler Savings Bank profile, how to read a UBPR, or how this data updates.