Stonehambank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Stonehambank of Stoneham, 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 | 0.50% | 1.25% | -0.75% | 12th bottom |
| ROAE | 6.63% | 12.22% | -5.59% | 19th bottom |
| Net Interest Margin | 2.99% | 3.95% | -0.96% | 9th bottom |
| Efficiency Ratio | 75.04% | 63.71% | +11.33% | 18th bottom |
| PPNR / Avg Assets | 0.79% | — | — | 13th bottom |
| Yield on Earning Assets | 5.16% | 5.67% | -0.51% | 29th below |
| Cost of Funds | 2.14% | 1.87% | +0.27% | 29th below |
| Net Interest Spread | 2.47% | — | — | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.88% | -0.56% | 56th above |
| NPA / Total Assets | 0.25% | — | — | 55th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 79th top |
| ACL / Total Loans | 1.01% | — | — | 28th below |
| ACL / NPLs (Coverage) | 312.47% | — | — | 60th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.97% | 5.96% | -2.99% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.51% | 17.18% | -4.67% | 22nd bottom |
| Tier 1 Ratio | 12.51% | 17.21% | -4.70% | 22nd bottom |
| Total Capital Ratio | 13.71% | — | — | 23rd bottom |
| Leverage Ratio | 8.94% | 11.75% | -2.81% | 11th bottom |
| Equity / Assets | 7.73% | 10.98% | -3.25% | 11th bottom |
| TCE / Tangible Assets | 7.73% | — | — | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.97% | 80.44% | +12.53% | 23rd bottom |
| Core Deposit Ratio | 79.20% | 86.95% | -7.75% | 14th bottom |
| Wholesale Funding Ratio | 7.66% | — | — | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.67% | — | — | 73rd above |
| Loan Growth (Y/Y) | 4.82% | — | — | 46th below |
| Deposit Growth (Y/Y) | 8.05% | — | — | 76th top |
See Stonehambank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Stonehambank, 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 Stonehambank 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 Stonehambank peer analysis.