Watertown Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Watertown Savings Bank of Watertown, NY against its peer group of 2672 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 | 1.92% | 1.34% | +0.58% | 83rd top |
| ROAE | 10.47% | 13.32% | -2.85% | 39th below |
| Net Interest Margin | 4.85% | 3.93% | +0.92% | 89th top |
| Efficiency Ratio | 48.44% | 61.15% | -12.71% | 84th top |
| PPNR / Avg Assets | 2.54% | 1.68% | +0.86% | 90th top |
| Yield on Earning Assets | 5.26% | 5.67% | -0.41% | 33rd below |
| Cost of Funds | 0.46% | 1.88% | -1.42% | 98th top |
| Net Interest Spread | 4.44% | 3.32% | +1.12% | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.96% | 0.94% | +1.02% | 13th bottom |
| NPA / Total Assets | 1.20% | 0.70% | +0.50% | 16th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.12% | 0.16% | -0.04% | 17th bottom |
| ACL / Total Loans | 1.17% | 1.28% | -0.11% | 47th below |
| ACL / NPLs (Coverage) | 59.93% | 1540.20% | -1480.27% | 14th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.82% | 7.33% | -0.51% | 32nd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 198.18% | 1397.20% | -1199.02% | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.60% | 12.13% | +5.47% | 93rd top |
| Equity / Assets | 18.30% | 11.37% | +6.93% | 95th top |
| TCE / Tangible Assets | 17.23% | 11.09% | +6.14% | 94th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.70% | 80.64% | -4.94% | 60th above |
| Core Deposit Ratio | 96.15% | 86.85% | +9.30% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.35% | 6.85% | -2.50% | 49th below |
| Loan Growth (Y/Y) | 3.46% | 7.91% | -4.45% | 39th below |
| Deposit Growth (Y/Y) | 3.21% | 6.29% | -3.08% | 44th below |
See Watertown Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Watertown 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 Watertown Savings Bank profile, how to read a UBPR, or how this data updates.