Ulster Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ulster Savings Bank of Kingston, NY against its peer group of 931 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 | 0.51% | 1.46% | -0.95% | 9th bottom |
| ROAE | 5.78% | 12.72% | -6.94% | 12th bottom |
| Net Interest Margin | 3.19% | 3.85% | -0.66% | 22nd bottom |
| Efficiency Ratio | 83.11% | 57.39% | +25.72% | 5th bottom |
| PPNR / Avg Assets | 0.69% | 1.88% | -1.19% | 7th bottom |
| Yield on Earning Assets | 4.70% | 5.72% | -1.02% | 11th bottom |
| Cost of Funds | 1.43% | 2.02% | -0.59% | 83rd top |
| Net Interest Spread | 2.79% | 3.18% | -0.39% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.02% | 1.00% | +1.02% | 10th bottom |
| NPA / Total Assets | 1.52% | 0.76% | +0.76% | 12th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.43% | -0.37% | 38th below |
| ACL / Total Loans | 1.09% | 1.31% | -0.22% | 42nd below |
| ACL / NPLs (Coverage) | 54.00% | 543.62% | -489.62% | 10th bottom |
| Texas Ratio | 15.83% | 7.38% | +8.45% | 10th bottom |
| Provision / NCO | 92.59% | 618.94% | -526.35% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.97% | 17.34% | -3.37% | 58th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.97% | 17.37% | -3.40% | 57th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.18% | 18.42% | -3.24% | 59th above |
| Leverage Ratio | 9.79% | 11.44% | -1.65% | 31st below |
| Equity / Assets | 8.95% | 11.34% | -2.39% | 21st bottom |
| TCE / Tangible Assets | 8.80% | 10.50% | -1.70% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.49% | 86.95% | -2.46% | 59th above |
| Core Deposit Ratio | 90.78% | 85.55% | +5.23% | 62nd above |
| Uninsured Deposit Ratio | 20.65% | 33.13% | -12.48% | 82nd top |
| Wholesale Funding Ratio | 0.86% | 5.71% | -4.85% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.74% | 9.69% | -8.95% | 20th bottom |
| Loan Growth (Y/Y) | 2.68% | 8.06% | -5.38% | 33rd below |
| Deposit Growth (Y/Y) | 1.08% | 7.87% | -6.79% | 24th bottom |
See Ulster Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ulster 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 Ulster Savings Bank profile, how to read a UBPR, or how this data updates.