Skip to main content
BDI
SB

The Savings Bank

Wakefield, MassachusettsFDIC Cert #90291

STATEEstablished 18699 branches

Holding company: WAKEFIELD BCORP MHCRegulator: FDIC

FDICCERT + OFFDOM

Profitability, 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.

ROA
0.12%
−9.2%y/y
Peer standing13th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNETINC + ROA
ROE
1.31%
−10.1%y/y
Peer standing15th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNETINC + ROE
Pretax ROA
0.05%
+259.2%y/y
Peer standing7th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICPTAXNETINC + ASSET
NIM
2.60%
+8.6%y/y
Peer standing18th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNIM + NIMY
Earning yield
4.68%
+4.6%y/y
Peer standing29th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICINTINCY
IB deposit cost
2.69%
−1.7%y/y
Peer standing40th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
96.27%
−3.7%y/y
Peer standing10th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
3.03%
+4.2%y/y
Peer standing30th percentile
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNONIX + ASSET
Fee share
22.80%
−0.2%y/y
Percentile by value89th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICNONII + NIM
Assets YoY
+3.70%
+74.2%y/y
Percentile by value54th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICASSET
Deposits YoY
+3.02%
+184.9%y/y
Percentile by value49th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICDEP
Loans YoY
+1.27%
−80.7%y/y
Percentile by value29th percentileby value
Peer standing in FFIEC UBPR Peer Group 102 — Insured savings banks having assets between $300 million and $1 billion
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
13th 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
FDICNETINC + ROE
15th 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
FDICNIM + NIMY
18th 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
FDICNONIX + NIM + NONII + EEFFR
10th 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
FDICDEP
49th 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
FDICLNLSNET
29th 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 %
FDICP9ASSET + NAASSET + LNLSGR
34th 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
FDICRBC1AAJ
24th 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
FDICEINTEXP + DEPIDOM
40th 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
FDICLNRENROT + LNREMULT + LNRECONS + RBC
Toggle 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.