Sugar River Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sugar River Bank of Newport, NH 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 | 0.66% | 1.25% | -0.59% | 16th bottom |
| ROAE | 5.69% | 12.22% | -6.53% | 15th bottom |
| Net Interest Margin | 3.66% | 3.95% | -0.29% | 34th below |
| Efficiency Ratio | 75.29% | 63.71% | +11.58% | 18th bottom |
| PPNR / Avg Assets | 0.96% | — | — | 18th bottom |
| Yield on Earning Assets | 4.71% | 5.67% | -0.96% | 13th bottom |
| Cost of Funds | 1.15% | 1.87% | -0.72% | 87th top |
| Net Interest Spread | 3.23% | — | — | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.88% | -0.55% | 55th above |
| NPA / Total Assets | 0.23% | — | — | 58th above |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 87th top |
| ACL / Total Loans | 0.61% | — | — | 5th bottom |
| ACL / NPLs (Coverage) | 187.12% | — | — | 46th below |
| Texas Ratio | 1.89% | 5.96% | -4.07% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.13% | 11.75% | +2.38% | 82nd top |
| Equity / Assets | 11.56% | 10.98% | +0.58% | 66th above |
| TCE / Tangible Assets | 11.56% | — | — | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 80.55% | 80.44% | +0.11% | 50th above |
| Core Deposit Ratio | 91.87% | 86.95% | +4.92% | 66th above |
| Wholesale Funding Ratio | 1.18% | — | — | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.88% | — | — | 53rd above |
| Loan Growth (Y/Y) | 5.22% | — | — | 48th below |
| Deposit Growth (Y/Y) | 5.98% | — | — | 64th above |
See Sugar River Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sugar River 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 Sugar River 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 Sugar River Bank peer analysis.