Washington Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Washington Savings Bank of Lowell, MA against its peer group of 2603 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 | 0.29% | 1.35% | -1.06% | 8th bottom |
| ROAE | 3.08% | 13.33% | -10.25% | 9th bottom |
| Net Interest Margin | 2.67% | 3.93% | -1.26% | 5th bottom |
| Efficiency Ratio | 87.62% | 61.12% | +26.50% | 7th bottom |
| PPNR / Avg Assets | 0.35% | 1.68% | -1.33% | 6th bottom |
| Yield on Earning Assets | 4.65% | 5.67% | -1.02% | 12th bottom |
| Cost of Funds | 2.10% | 1.88% | +0.22% | 32nd below |
| Net Interest Spread | 2.28% | 3.32% | -1.04% | 8th 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% | 0.94% | -0.24% | 37th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.55% | 0.70% | -0.15% | 36th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.65% | 1.28% | -0.63% | 6th bottom |
| ACL / NPLs (Coverage) | 93.18% | 1546.59% | -1453.41% | 25th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.36% | 7.34% | -1.98% | 38th below |
| Provision / NCO | 0.00% | 1395.49% | -1395.49% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.92% | 19.49% | -2.57% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.92% | 19.52% | -2.60% | 63rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.87% | 20.61% | -2.74% | 62nd above |
| Leverage Ratio | 9.65% | 12.14% | -2.49% | 24th bottom |
| Equity / Assets | 9.70% | 11.37% | -1.67% | 40th below |
| TCE / Tangible Assets | 9.70% | 11.08% | -1.38% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.97% | 80.66% | +14.31% | 19th bottom |
| Core Deposit Ratio | 80.65% | 86.85% | -6.20% | 18th bottom |
| Wholesale Funding Ratio | 7.19% | 5.03% | +2.16% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.71% | 6.84% | -5.13% | 31st below |
| Loan Growth (Y/Y) | -0.90% | 7.92% | -8.82% | 19th bottom |
| Deposit Growth (Y/Y) | 7.66% | 6.29% | +1.37% | 74th above |
See Washington Savings Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Washington 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 Washington Savings Bank profile, how to read a UBPR, or how this data updates.