TruNorth 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 TruNorth Bank of Peabody, MA against its peer group of 895 similarly-sized US banks as of Q2 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B 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 | 0.85% | 1.29% | -0.44% | 19th worst quarter |
| ROAE | 5.75% | 12.61% | -6.86% | 11th worst quarter |
| Net Interest Margin | 4.39% | 3.71% | +0.68% | 85th best quarter |
| Efficiency Ratio | 63.30% | 58.32% | +4.98% | 66th worse half |
| PPNR / Avg Assets | 1.39% | 1.75% | -0.36% | 29th worse half |
| Yield on Earning Assets | 5.95% | 5.54% | +0.41% | 74th |
| Cost of Funds | 1.71% | 2.01% | -0.30% | 32nd better half |
| Net Interest Spread | 3.79% | 3.09% | +0.70% | 86th best quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.58% | 0.52% | +0.06% | 54th worse half |
| NPA / Total Assets | 0.44% | 0.41% | +0.03% | 53rd worse half |
| NCO / Avg Loans | 0.00% | 0.03% | -0.03% | 28th better half |
| ACL / Total Loans | 0.54% | 1.15% | -0.61% | 4th |
| ACL / NPLs (Coverage) | 93.87% | 204.05% | -110.18% | 21st worst quarter |
| Texas Ratio | 3.83% | 3.58% | +0.25% | 52nd worse half |
| Provision / NCO | 9444.44% | 173.21% | +9271.23% | — |
| CRE / Total Capital | 259.99% | 223.76% | +36.23% | 66th worse half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 15.98% | 13.52% | +2.46% | 77th best quarter |
| Tier 1 Ratio | 15.98% | 13.55% | +2.43% | 77th best quarter |
| Total Capital Ratio | 16.59% | 14.66% | +1.93% | 74th better half |
| Leverage Ratio | 11.46% | 10.52% | +0.94% | 68th better half |
| Equity / Assets | 14.72% | 10.38% | +4.34% | 92nd best quarter |
| TCE / Tangible Assets | 11.26% | 9.80% | +1.46% | 74th better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 92.65% | 88.15% | +4.50% | 64th |
| Core Deposit Ratio | 88.49% | 88.46% | +0.03% | 50th better half |
| Uninsured Deposit Ratio | 30.70% | 30.92% | -0.22% | 49th better half |
| Borrowings / Total Assets | 2.58% | 3.92% | -1.34% | 37th better half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.24% | 5.45% | +6.79% | 81st |
| Loan Growth (Y/Y) | 7.53% | 5.90% | +1.63% | 61st |
| Deposit Growth (Y/Y) | 12.56% | 5.07% | +7.49% | 82nd |
See TruNorth Bank's peers by name
The 895 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 TruNorth 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 TruNorth Bank peer analysis.