Country Bank for Savings
Ware, MA · Cert 23992 · Peer group: banks $1B-$10B in assets (n=322-328)
SI · FDIC · 16 branches
Q2 2026
$2.2BAssets
$1.8BLoans
$1.7BDeposits
$318.2MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 90% of banks $1B-$10B in assets (rank 33 of 328).
- Widest gap: return on equity trails 91% of banks $1B-$10B in assets (rank 297 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.80%
Rank 264 of 328
Net Interest Margin
3.23%
Rank 209 of 328
Efficiency Ratio
69.99%
Rank 265 of 328
Equity / Assets
14.22%
Rank 33 of 328
Non-interest income vs. expense
Unfavorable gap of $48.0M · efficiency ratio beats 20% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.91% | 1.22% | 1.52% | Beats 20% | 264 / 328 | n/a | |
| Return on Equity | 5.66% | 8.43% | 11.45% | 14.43% | Beats 9% | 297 / 328 | n/a | |
| Net Interest Margin | 3.23% | 3.03% | 3.45% | 3.83% | Beats 36% | 209 / 328 | n/a | |
| Efficiency Ratio | 69.99% | 51.61% | 59.56% | 67.53% | Beats 20% | 265 / 328 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.14% | 0.24% | 0.51% | 1.03% | Beats 23% | 248 / 322 | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 89% | 37 / 322 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 14.84% | 11.75% | 13.15% | 15.47% | Beats 69% | 101 / 328 | n/a | |
| Total Risk-Based Capital Ratio | 14.84% | 12.63% | 14.15% | 16.46% | Beats 59% | 133 / 328 | n/a | |
| Equity / Assets | 14.22% | 9.15% | 10.33% | 12.01% | Beats 90% | 33 / 328 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 101.58% | 76.63% | 87.92% | 95.36% | 90th pctl | 32 / 323 | n/a | |
| Loans / Assets | 78.51% | 65.18% | 74.15% | 79.98% | 69th pctl | 102 / 328 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |