Unibank for Savings: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Unibank for Savings of Whitinsville, MA 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 | 1.11% | 1.46% | -0.35% | 37th below |
| ROAE | 15.00% | 12.71% | +2.29% | 71st above |
| Net Interest Margin | 2.97% | 3.85% | -0.88% | 14th bottom |
| Efficiency Ratio | 54.73% | 57.41% | -2.68% | 61st above |
| PPNR / Avg Assets | 1.57% | 1.88% | -0.31% | 41st below |
| Yield on Earning Assets | 4.37% | 5.72% | -1.35% | 5th bottom |
| Cost of Funds | 1.52% | 2.02% | -0.50% | 80th top |
| Net Interest Spread | 2.60% | 3.18% | -0.58% | 24th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.70% | 1.00% | -0.30% | 46th below |
| NPA / Total Assets | 0.48% | 0.76% | -0.28% | 51st above |
| NCO / Avg Loans | 0.03% | 0.43% | -0.40% | 52nd above |
| ACL / Total Loans | 1.42% | 1.31% | +0.11% | 82nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 203.03% | 543.77% | -340.74% | 55th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.65% | 7.39% | -1.74% | 44th below |
| Provision / NCO | 1383.93% | 617.51% | +766.42% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.02% | 17.34% | -3.32% | 59th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.02% | 17.37% | -3.35% | 58th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.27% | 18.42% | -3.15% | 61st above |
| Leverage Ratio | 8.83% | 11.44% | -2.61% | 9th bottom |
| Equity / Assets | 7.60% | 11.34% | -3.74% | 5th bottom |
| TCE / Tangible Assets | 7.60% | 10.50% | -2.90% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.62% | 86.96% | -3.34% | 62nd above |
| Core Deposit Ratio | 94.82% | 85.54% | +9.28% | 84th top |
| Uninsured Deposit Ratio | 29.42% | 33.13% | -3.71% | 56th above |
| Wholesale Funding Ratio | 8.67% | 5.70% | +2.97% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.82% | 9.69% | -3.87% | 54th above |
| Loan Growth (Y/Y) | 3.08% | 8.06% | -4.98% | 35th below |
| Deposit Growth (Y/Y) | 4.38% | 7.87% | -3.49% | 48th below |
See Unibank for Savings's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Unibank for Savings, 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 Unibank for Savings profile, how to read a UBPR, or how this data updates.