Spring Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Spring Bank of Bronx, NY 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 | 1.92% | 1.25% | +0.67% | 82nd top |
| ROAE | 14.13% | 12.22% | +1.91% | 60th above |
| Net Interest Margin | 4.07% | 3.95% | +0.12% | 56th above |
| Efficiency Ratio | 41.99% | 63.71% | -21.72% | 93rd top |
| PPNR / Avg Assets | 2.59% | — | — | 91st top |
| Yield on Earning Assets | 6.56% | 5.67% | +0.89% | 88th top |
| Cost of Funds | 2.90% | 1.87% | +1.03% | 7th bottom |
| Net Interest Spread | 2.95% | — | — | 30th 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. | 0.60% | 0.88% | -0.28% | 42nd below |
| NPA / Total Assets | 0.42% | — | — | 42nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.15% | -0.05% | 19th bottom |
| ACL / Total Loans | 1.21% | — | — | 52nd above |
| ACL / NPLs (Coverage) | 203.31% | — | — | 48th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.88% | 5.96% | -3.08% | 48th below |
| Provision / NCO | 30.43% | — | — | 28th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.59% | 11.75% | +2.84% | 84th top |
| Equity / Assets | 13.88% | 10.98% | +2.90% | 83rd top |
| TCE / Tangible Assets | 13.87% | — | — | 85th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.15% | 80.44% | +2.71% | 45th below |
| Core Deposit Ratio | 71.22% | 86.95% | -15.73% | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 24.11% | — | — | 96th top |
| Loan Growth (Y/Y) | 33.84% | — | — | 97th top |
| Deposit Growth (Y/Y) | 27.64% | — | — | 97th top |
See Spring Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Spring 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 Spring 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 Spring Bank peer analysis.