Savers Co-operative Bank
Southbridge, MA · Cert 26455 · Peer group: banks under $1B in assets (n=581-629)
SI · FDIC · 7 branches
Q2 2026
$783.2MAssets
$612.3MLoans
$562.3MDeposits
$81.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 45% of banks under $1B in assets (rank 343 of 629).
- Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets (rank 554 of 581).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.69%
Rank 446 of 629
Net Interest Margin
2.88%
Rank 508 of 629
Efficiency Ratio
70.90%
Rank 367 of 629
Equity / Assets
10.40%
Rank 343 of 629
Non-interest income vs. expense
Unfavorable gap of $15.4M · efficiency ratio beats 42% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.69% | 0.60% | 1.01% | 1.45% | Beats 29% | 446 / 629 | | |
| Return on Equity | 6.61% | 5.38% | 9.30% | 13.28% | Beats 31% | 434 / 629 | | |
| Net Interest Margin | 2.88% | 3.03% | 3.54% | 4.05% | Beats 19% | 508 / 629 | | |
| Efficiency Ratio | 70.90% | 58.35% | 67.79% | 79.08% | Beats 42% | 367 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.64% | 0.09% | 0.46% | 1.20% | Beats 5% | 554 / 581 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 40% | 353 / 581 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 11.30% | 11.24% | 13.84% | 18.77% | Beats 26% | 467 / 629 | | |
| Total Risk-Based Capital Ratio | 11.30% | 11.58% | 14.43% | 19.66% | Beats 22% | 492 / 629 | | |
| Equity / Assets | 10.40% | 9.09% | 10.65% | 13.80% | Beats 45% | 343 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 108.89% | 67.24% | 80.90% | 93.48% | 94th pctl | 33 / 594 | | |
| Loans / Assets | 78.18% | 53.31% | 67.71% | 78.15% | 75th pctl | 157 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |