The Village Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Village Bank of Auburndale, MA against its peer group of 927 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 | 0.57% | 1.46% | -0.89% | 11th bottom |
| ROAE | 6.75% | 12.70% | -5.95% | 15th bottom |
| Net Interest Margin | 2.67% | 3.85% | -1.18% | 6th bottom |
| Efficiency Ratio | 70.43% | 57.39% | +13.04% | 20th bottom |
| PPNR / Avg Assets | 0.81% | 1.88% | -1.07% | 9th bottom |
| Yield on Earning Assets | 4.95% | 5.72% | -0.77% | 18th bottom |
| Cost of Funds | 2.29% | 2.02% | +0.27% | 31st below |
| Net Interest Spread | 1.92% | 3.18% | -1.26% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.31% | 1.00% | -0.69% | 72nd above |
| NPA / Total Assets | 0.25% | 0.76% | -0.51% | 69th above |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 85th top |
| ACL / Total Loans | 0.51% | 1.31% | -0.80% | 3rd bottom |
| ACL / NPLs (Coverage) | 164.78% | 564.69% | -399.91% | 47th below |
| Texas Ratio | 2.83% | 7.39% | -4.56% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.74% | 17.34% | -2.60% | 67th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.74% | 17.37% | -2.63% | 67th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.43% | 18.42% | -2.99% | 63rd above |
| Leverage Ratio | 9.50% | 11.44% | -1.94% | 22nd bottom |
| Equity / Assets | 8.53% | 11.34% | -2.81% | 13th bottom |
| TCE / Tangible Assets | 8.53% | 10.50% | -1.97% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.53% | 86.95% | +7.58% | 31st below |
| Core Deposit Ratio | 75.43% | 85.56% | -10.13% | 14th bottom |
| Uninsured Deposit Ratio | 52.09% | 33.11% | +18.98% | 7th bottom |
| Wholesale Funding Ratio | 3.95% | 5.70% | -1.75% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.04% | 9.69% | -7.65% | 28th below |
| Loan Growth (Y/Y) | 3.41% | 8.06% | -4.65% | 38th below |
| Deposit Growth (Y/Y) | 1.12% | 7.88% | -6.76% | 24th bottom |
See The Village Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Village 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 Village Bank profile, how to read a UBPR, or how this data updates.