0.93%
+41.3%y/y
Peer standing79th percentile
FDIC
NETINC + ROAMS
Monson Savings Bank
Monson, MassachusettsFDIC Cert #90245
STATEEstablished 18726 branches
Holding company: MONSON FINANCIAL SERVICES MHCRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
10.14%
+36.4%y/y
Peer standing83rd percentile
FDIC
NETINC + ROE1.21%
+51.0%y/y
Peer standing77th percentile
FDIC
PTAXNETINC + ASSET3.40%
+10.5%y/y
Peer standing55th percentile
FDIC
NIM + NIMY5.13%
+5.2%y/y
Peer standing57th percentile
FDIC
INTINCY2.19%
−7.2%y/y
Peer standing67th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
67.40%
−9.6%y/y
Peer standing75th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.51%
−1.1%y/y
Peer standing61st percentile
FDIC
NONIX + ASSET13.20%
−6.9%y/y
Percentile by value60th percentileby value
FDIC
NONII + NIM+9.78%
−2.8%y/y
Percentile by value89th percentileby value
FDIC
ASSET+9.77%
−5.6%y/y
Percentile by value86th percentileby value
FDIC
DEP+11.50%
+181.8%y/y
Percentile by value85th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.93%79th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.08%Median 0.62%90th 1.27%Observations 152
ROE
FDIC
NETINC + ROE10.14%83rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 0.81%Median 5.10%90th 11.70%Observations 152
NIM
FDIC
NIM + NIMY3.40%55th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.32%Median 3.27%90th 4.17%Observations 152
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR67.40%75th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 57.00%Median 78.14%90th 96.23%Observations 152
Deposits YoY
FDIC
DEP+9.77%85th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.99%Median +3.06%90th +10.97%Observations 152
Loans YoY
FDIC
LNLSNET+11.50%84th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.45%Median +4.37%90th +13.07%Observations 151
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.10%18th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.40%90th 1.81%Observations 151
Leverage
FDIC
RBC1AAJ9.79%26th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.69%Median 11.69%90th 19.02%Observations 152
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.19%67th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.62%Median 2.50%90th 3.50%Observations 151
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 19%Median 126%90th 290%Observations 98
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.93%90th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.10%Median 0.42%90th 0.93%Observations 53
ROE
FDIC
NETINC + ROE10.14%92nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.00%Median 4.68%90th 8.61%Observations 53
NIM
FDIC
NIM + NIMY3.40%75th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.33%Median 3.00%90th 3.66%Observations 53
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR67.40%81st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 61.82%Median 76.21%90th 95.64%Observations 53
Deposits YoY
FDIC
DEP+9.77%87th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.84%Median +3.50%90th +9.97%Observations 53
Loans YoY
FDIC
LNLSNET+11.50%88th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.40%Median +3.39%90th +11.31%Observations 52
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.10%22nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.46%90th 1.68%Observations 52
Leverage
FDIC
RBC1AAJ9.79%37th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.77%Median 10.18%90th 14.68%Observations 53
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.19%81st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.99%Median 2.69%90th 3.47%Observations 53
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 66%Median 198%90th 337%Observations 33
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.