Somerville Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Somerville Bank of Eaton, 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 | 0.82% | 1.35% | -0.53% | 24th bottom |
| ROAE | 11.03% | 12.05% | -1.02% | 42nd below |
| Net Interest Margin | 3.42% | 3.90% | -0.48% | 25th below |
| Efficiency Ratio | 74.14% | 63.15% | +10.99% | 21st bottom |
| PPNR / Avg Assets | 0.78% | 1.64% | -0.86% | 14th bottom |
| Yield on Earning Assets | 5.21% | 5.65% | -0.44% | 31st below |
| Cost of Funds | 1.93% | 1.85% | +0.08% | 42nd below |
| Net Interest Spread | 2.81% | 3.35% | -0.54% | 25th 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. | 0.84% | 0.92% | -0.08% | 32nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.58% | 0.67% | -0.09% | 34th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 39th below |
| ACL / Total Loans | 1.10% | 1.28% | -0.18% | 38th below |
| ACL / NPLs (Coverage) | 130.93% | 1645.78% | -1514.85% | 37th below |
| Texas Ratio | 11.50% | 7.15% | +4.35% | 18th bottom |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.54% | 12.46% | -2.92% | 22nd bottom |
| Equity / Assets | 7.91% | 11.67% | -3.76% | 13th bottom |
| TCE / Tangible Assets | 7.84% | 11.40% | -3.56% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.77% | 78.64% | -1.87% | 58th above |
| Core Deposit Ratio | 89.10% | 87.09% | +2.01% | 50th above |
| Wholesale Funding Ratio | 1.97% | 5.11% | -3.14% | 68th above |
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. | 5.44% | 6.47% | -1.03% | 58th above |
| Loan Growth (Y/Y) | -0.81% | 7.64% | -8.45% | 20th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.57% | 6.02% | -1.45% | 54th above |
See Somerville Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Somerville 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 Somerville Bank profile, how to read a UBPR, or how this data updates.