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, 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 | 0.86% | 1.46% | -0.60% | 22nd bottom |
| ROAE | 7.48% | 12.69% | -5.21% | 18th bottom |
| Net Interest Margin | 3.12% | 3.85% | -0.73% | 18th bottom |
| Efficiency Ratio | 64.79% | 57.40% | +7.39% | 31st below |
| PPNR / Avg Assets | 1.13% | 1.88% | -0.75% | 20th bottom |
| Yield on Earning Assets | 4.22% | 5.72% | -1.50% | 4th bottom |
| Cost of Funds | 1.20% | 2.02% | -0.82% | 90th top |
| Net Interest Spread | 2.92% | 3.18% | -0.26% | 39th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 1.00% | -0.97% | 94th top |
| NPA / Total Assets | 0.05% | 0.76% | -0.71% | 91st top |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 83rd top |
| ACL / Total Loans | 0.29% | 1.31% | -1.02% | 1st bottom |
| ACL / NPLs (Coverage) | 949.00% | 564.14% | +384.86% | 90th top |
| Texas Ratio | 1.00% | 7.39% | -6.39% | 87th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 28.39% | 17.33% | +11.06% | 96th top |
| Tier 1 Ratio | 28.39% | 17.36% | +11.03% | 96th top |
| Total Capital Ratio | 28.71% | 18.41% | +10.30% | 96th top |
| Leverage Ratio | 12.03% | 11.44% | +0.59% | 77th top |
| Equity / Assets | 11.65% | 11.33% | +0.32% | 71st above |
| TCE / Tangible Assets | 11.65% | 10.50% | +1.15% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.63% | 86.97% | -34.34% | 95th top |
| Core Deposit Ratio | 83.97% | 85.55% | -1.58% | 31st below |
| Uninsured Deposit Ratio | 26.40% | 33.13% | -6.73% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.53% | 9.69% | -12.22% | 8th bottom |
| Loan Growth (Y/Y) | 5.00% | 8.06% | -3.06% | 46th below |
| Deposit Growth (Y/Y) | -3.67% | 7.88% | -11.55% | 7th bottom |
See Watertown Savings Bank's peers by name
The 927 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.