The Pittsfield Co-operative Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Pittsfield Co-operative Bank of Pittsfield, MA against its peer group of 2646 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $100M to $1B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | -0.19% | 1.30% | -1.49% | 4th worst quarter |
| ROAE | -1.61% | 12.64% | -14.25% | 4th worst quarter |
| Net Interest Margin | 3.10% | 4.00% | -0.90% | 10th worst quarter |
| Efficiency Ratio | 105.52% | 60.97% | +44.55% | 98th worst quarter |
| PPNR / Avg Assets | -0.20% | 1.63% | -1.83% | 2nd worst quarter |
| Yield on Earning Assets | 5.13% | 5.69% | -0.56% | 24th |
| Cost of Funds | 2.27% | 1.83% | +0.44% | 75th worst quarter |
| Net Interest Spread | 2.34% | 3.38% | -1.04% | 8th worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.43% | -0.31% | 28th better half |
| NPA / Total Assets | 0.09% | 0.33% | -0.24% | 28th better half |
| NCO / Avg Loans | 0.05% | 0.00% | +0.05% | 74th worse half |
| ACL / Total Loans | 0.67% | 1.20% | -0.53% | 6th |
| ACL / NPLs (Coverage) | 565.26% | 214.79% | +350.47% | 72nd better half |
| Texas Ratio | 0.77% | 2.90% | -2.13% | 27th better half |
| Provision / NCO | 213.04% | 136.36% | +76.68% | 59th |
| CRE / Total Capital | 81.80% | 119.32% | -37.52% | 36th better half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 18.30% | 15.41% | +2.89% | 69th better half |
| Tier 1 Ratio | 18.30% | 15.47% | +2.83% | 69th better half |
| Total Capital Ratio | 19.04% | 16.52% | +2.52% | 67th better half |
| Leverage Ratio | 13.08% | 11.15% | +1.93% | 74th better half |
| Equity / Assets | 11.51% | 10.12% | +1.39% | 68th better half |
| TCE / Tangible Assets | 11.51% | 9.85% | +1.66% | 71st better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 104.41% | 81.56% | +22.85% | 92nd |
| Core Deposit Ratio | 81.41% | 89.16% | -7.75% | 19th worst quarter |
| Borrowings / Total Assets | 13.39% | 3.70% | +9.69% | 94th worst quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.91% | 3.51% | +7.40% | 86th |
| Loan Growth (Y/Y) | 18.04% | 5.73% | +12.31% | 90th |
| Deposit Growth (Y/Y) | 11.02% | 3.83% | +7.19% | 84th |
See The Pittsfield Co-operative Bank's peers by name
The 2646 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this 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 The Pittsfield Co-operative 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 The Pittsfield Co-operative Bank peer analysis.