Seamens Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Seamens Bank of Provincetown, MA against its peer group of 2757 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 | 0.48% | 1.25% | -0.77% | 11th bottom |
| ROAE | 3.82% | 12.22% | -8.40% | 10th bottom |
| Net Interest Margin | 3.97% | 3.95% | +0.02% | 51st above |
| Efficiency Ratio | 85.11% | 63.71% | +21.40% | 8th bottom |
| PPNR / Avg Assets | 0.59% | — | — | 9th bottom |
| Yield on Earning Assets | 5.37% | 5.67% | -0.30% | 38th below |
| Cost of Funds | 1.52% | 1.87% | -0.35% | 68th above |
| Net Interest Spread | 3.49% | — | — | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.76% | 0.88% | -0.12% | 35th below |
| NPA / Total Assets | 0.58% | — | — | 35th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 46th below |
| ACL / Total Loans | 0.59% | — | — | 4th bottom |
| ACL / NPLs (Coverage) | 77.11% | — | — | 19th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.59% | 5.96% | -1.37% | 38th below |
| Provision / NCO | 0.00% | — | — | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.57% | 11.75% | +0.82% | 70th above |
| Equity / Assets | 12.24% | 10.98% | +1.26% | 73rd above |
| TCE / Tangible Assets | 12.24% | — | — | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.10% | 80.44% | +9.66% | 28th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.93% | 86.95% | +0.98% | 43rd below |
| Wholesale Funding Ratio | 2.93% | — | — | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.24% | — | — | 33rd below |
| Loan Growth (Y/Y) | 2.53% | — | — | 33rd below |
| Deposit Growth (Y/Y) | -1.51% | — | — | 15th bottom |
See Seamens Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Seamens 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 Seamens Bank 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 Seamens Bank peer analysis.