Stoughton Co-Operative Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Stoughton Co-Operative Bank of Stoughton, MA 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 | 0.73% | 1.34% | -0.61% | 20th bottom |
| ROAE | 7.81% | 13.31% | -5.50% | 24th bottom |
| Net Interest Margin | 2.92% | 3.93% | -1.01% | 8th bottom |
| Efficiency Ratio | 66.70% | 61.14% | +5.56% | 36th below |
| PPNR / Avg Assets | 0.98% | 1.68% | -0.70% | 19th bottom |
| Yield on Earning Assets | 4.62% | 5.67% | -1.05% | 11th bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.82% | 1.88% | -0.06% | 49th below |
| Net Interest Spread | 2.66% | 3.32% | -0.66% | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.68% | 1.28% | -0.60% | 7th bottom |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.00% | 12.14% | -2.14% | 32nd below |
| Equity / Assets | 9.41% | 11.37% | -1.96% | 34th below |
| TCE / Tangible Assets | 9.41% | 11.09% | -1.68% | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.17% | 80.64% | +11.53% | 24th bottom |
| Core Deposit Ratio | 81.30% | 86.86% | -5.56% | 19th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.70% | 5.03% | -1.33% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.84% | 6.85% | -4.01% | 38th below |
| Loan Growth (Y/Y) | 0.68% | 7.90% | -7.22% | 25th below |
| Deposit Growth (Y/Y) | 0.53% | 6.29% | -5.76% | 26th below |
See Stoughton Co-Operative Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Stoughton Co-Operative 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 Stoughton Co-Operative Bank profile, how to read a UBPR, or how this data updates.