Webster Five Cents Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Webster Five Cents Savings Bank of Webster, 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 | 1.00% | 1.46% | -0.46% | 29th below |
| ROAE | 8.43% | 12.69% | -4.26% | 22nd bottom |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.79% | 3.85% | -0.06% | 55th above |
| Efficiency Ratio | 67.87% | 57.40% | +10.47% | 25th below |
| PPNR / Avg Assets | 1.31% | 1.88% | -0.57% | 28th below |
| Yield on Earning Assets | 5.39% | 5.72% | -0.33% | 41st below |
| Cost of Funds | 1.75% | 2.02% | -0.27% | 65th above |
| Net Interest Spread | 3.20% | 3.18% | +0.02% | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.46% | 1.00% | -0.54% | 61st above |
| NPA / Total Assets | 0.35% | 0.76% | -0.41% | 61st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.12% | 0.43% | -0.31% | 25th below |
| ACL / Total Loans | 0.80% | 1.31% | -0.51% | 14th bottom |
| ACL / NPLs (Coverage) | 172.24% | 564.56% | -392.32% | 48th below |
| Texas Ratio | 2.76% | 7.39% | -4.63% | 68th above |
| Provision / NCO | 20.56% | 618.90% | -598.34% | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.52% | 11.44% | +1.08% | 81st top |
| Equity / Assets | 11.95% | 11.33% | +0.62% | 75th top |
| TCE / Tangible Assets | 11.95% | 10.50% | +1.45% | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.79% | 86.95% | +10.84% | 22nd bottom |
| Core Deposit Ratio | 95.28% | 85.55% | +9.73% | 87th top |
| Uninsured Deposit Ratio | 38.97% | 33.12% | +5.85% | 29th below |
| Wholesale Funding Ratio | 10.33% | 5.70% | +4.63% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.92% | 9.68% | -10.60% | 12th bottom |
| Loan Growth (Y/Y) | -3.54% | 8.06% | -11.60% | 7th bottom |
| Deposit Growth (Y/Y) | -0.02% | 7.88% | -7.90% | 19th bottom |
See Webster Five Cents Savings Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Webster Five Cents 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 Webster Five Cents Savings Bank profile, how to read a UBPR, or how this data updates.