Sturdy Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sturdy Savings Bank of Stone Harbor, NJ against its peer group of 927 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 | 0.81% | 1.46% | -0.65% | 19th bottom |
| ROAE | 9.77% | 12.69% | -2.92% | 30th below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.72% | 3.85% | -0.13% | 51st above |
| Efficiency Ratio | 70.56% | 57.39% | +13.17% | 19th bottom |
| PPNR / Avg Assets | 1.08% | 1.88% | -0.80% | 19th bottom |
| Yield on Earning Assets | 4.52% | 5.72% | -1.20% | 7th bottom |
| Cost of Funds | 0.82% | 2.02% | -1.20% | 97th top |
| Net Interest Spread | 3.47% | 3.18% | +0.29% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 1.00% | -0.84% | 84th top |
| NPA / Total Assets | 0.09% | 0.76% | -0.67% | 87th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 77th top |
| ACL / Total Loans | 0.50% | 1.31% | -0.81% | 3rd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 314.29% | 564.47% | -250.18% | 71st above |
| Texas Ratio | 1.12% | 7.39% | -6.27% | 86th top |
| Provision / NCO | 5700.00% | 615.89% | +5084.11% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.31% | 17.34% | -1.03% | 80th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.31% | 17.37% | -1.06% | 79th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.80% | 18.42% | -1.62% | 76th top |
| Leverage Ratio | 9.68% | 11.44% | -1.76% | 28th below |
| Equity / Assets | 8.53% | 11.34% | -2.81% | 13th bottom |
| TCE / Tangible Assets | 8.07% | 10.50% | -2.43% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.34% | 86.96% | -23.62% | 92nd top |
| Core Deposit Ratio | 94.87% | 85.55% | +9.32% | 85th top |
| Uninsured Deposit Ratio | 38.96% | 33.12% | +5.84% | 30th below |
| Wholesale Funding Ratio | 0.03% | 5.70% | -5.67% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.21% | 9.68% | -8.47% | 23rd bottom |
| Loan Growth (Y/Y) | 2.44% | 8.06% | -5.62% | 31st below |
| Deposit Growth (Y/Y) | 3.42% | 7.88% | -4.46% | 40th below |
See Sturdy Savings Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sturdy 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 Sturdy Savings Bank profile, how to read a UBPR, or how this data updates.