Woodsville Guaranty Savings Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Woodsville Guaranty Savings Bank of Woodsville, NH against its peer group of 2765 similarly-sized US banks as of Q2 2025. The peer group is every US bank in the same asset tier (banks with $100M to $1B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 0.08% | 1.16% | -1.08% | 5th worst quarter |
| ROAE | 1.41% | 11.98% | -10.57% | 6th worst quarter |
| Net Interest Margin | 2.73% | 3.73% | -1.00% | 10th worst quarter |
| Efficiency Ratio | 94.77% | 62.64% | +32.13% | 96th worst quarter |
| PPNR / Avg Assets | 0.15% | 1.47% | -1.32% | 4th worst quarter |
| Yield on Earning Assets | 4.23% | 5.53% | -1.30% | 6th |
| Cost of Funds | 1.84% | 1.95% | -0.11% | 44th better half |
| Net Interest Spread | 2.41% | 3.05% | -0.64% | 20th worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.36% | -0.23% | 31st better half |
| NPA / Total Assets | 0.08% | 0.27% | -0.19% | 29th better half |
| NCO / Avg Loans | 0.14% | 0.00% | +0.14% | 86th worst quarter |
| ACL / Total Loans | 0.83% | 1.20% | -0.37% | 12th |
| ACL / NPLs (Coverage) | 664.13% | 250.52% | +413.61% | 73rd better half |
| Texas Ratio | 1.06% | 2.41% | -1.35% | 34th better half |
| Provision / NCO | 128.40% | 135.82% | -7.42% | 49th |
| CRE / Total Capital | 149.78% | 122.56% | +27.22% | 59th worse half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 15.88% | 14.75% | +1.13% | 58th better half |
| Tier 1 Ratio | 15.88% | 14.79% | +1.09% | 58th better half |
| Total Capital Ratio | 16.95% | 15.93% | +1.02% | 58th better half |
| Leverage Ratio | 8.54% | 10.80% | -2.26% | 8th worst quarter |
| Equity / Assets | 6.09% | 9.82% | -3.73% | 6th worst quarter |
| TCE / Tangible Assets | 6.09% | 9.58% | -3.49% | 7th worst quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 85.96% | 79.50% | +6.46% | 62nd |
| Core Deposit Ratio | 96.12% | 89.12% | +7.00% | 89th best quarter |
| Borrowings / Total Assets | 14.50% | 3.76% | +10.74% | 94th worst quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.11% | 4.13% | -4.24% | 19th |
| Loan Growth (Y/Y) | -4.34% | 5.28% | -9.62% | 8th |
| Deposit Growth (Y/Y) | 1.03% | 4.52% | -3.49% | 25th |
See Woodsville Guaranty Savings Bank's peers by name
The 2765 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this 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 Woodsville Guaranty Savings Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Woodsville Guaranty Savings Bank peer analysis.