Skowhegan Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Skowhegan Savings Bank of Skowhegan, ME 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 | 2.17% | 1.34% | +0.83% | 89th top |
| ROAE | 15.56% | 13.31% | +2.25% | 69th above |
| Net Interest Margin | 3.86% | 3.93% | -0.07% | 46th below |
| Efficiency Ratio | 75.43% | 61.13% | +14.30% | 19th bottom |
| PPNR / Avg Assets | 1.00% | 1.68% | -0.68% | 20th bottom |
| Yield on Earning Assets | 4.95% | 5.67% | -0.72% | 21st bottom |
| Cost of Funds | 1.40% | 1.88% | -0.48% | 75th top |
| Net Interest Spread | 3.32% | 3.32% | +0.00% | 50th 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. | 0.91% | 0.94% | -0.03% | 30th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.65% | 0.70% | -0.05% | 31st below |
| NCO / Avg Loans | -0.03% | 0.16% | -0.19% | 92nd top |
| ACL / Total Loans | 1.00% | 1.28% | -0.28% | 25th below |
| ACL / NPLs (Coverage) | 109.85% | 1539.97% | -1430.12% | 31st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.37% | 7.33% | -2.96% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 22.46% | 19.50% | +2.96% | 84th top |
| Tier 1 Ratio | 22.46% | 19.53% | +2.93% | 84th top |
| Total Capital Ratio | 23.56% | 20.62% | +2.94% | 83rd top |
| Leverage Ratio | 15.81% | 12.14% | +3.67% | 89th top |
| Equity / Assets | 14.50% | 11.37% | +3.13% | 87th top |
| TCE / Tangible Assets | 14.27% | 11.09% | +3.18% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 86.21% | 80.63% | +5.58% | 37th below |
| Core Deposit Ratio | 92.62% | 86.86% | +5.76% | 71st above |
| Wholesale Funding Ratio | 0.74% | 5.04% | -4.30% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.41% | 6.86% | -5.45% | 28th below |
| Loan Growth (Y/Y) | -0.16% | 7.91% | -8.07% | 22nd bottom |
| Deposit Growth (Y/Y) | 1.22% | 6.29% | -5.07% | 30th below |
See Skowhegan Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Skowhegan 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 Skowhegan Savings Bank profile, how to read a UBPR, or how this data updates.