| Metric | UNB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +4.4% | -6.0 pts |
| Deposit growth (YoY) | -2.3% | +4.0% | -6.2 pts |
| Loan growth (YoY) | +3.8% | +5.6% | -1.8 pts |
| ROA | 0.14% | 1.24% | -1.1 pts |
| ROE | 2.3% | 11.9% | -9.6 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $167.3M | $156.4M | $89.5M | $10.0M | $114K | 0.14% | 2.67% | 0.07% |
| Q1 2026 | $166.5M | $155.6M | $88.7M | $9.9M | $14K | 0.03% | 2.60% | 0.05% |
| Q4 2025 | $169.2M | $157.9M | $88.1M | $10.4M | $238K | 0.14% | 2.47% | 0.04% |
| Q3 2025 | $167.0M | $155.8M | $86.3M | $10.1M | $158K | 0.13% | 2.45% | 0.03% |
| Q2 2025 | $170.1M | $160.0M | $86.2M | $9.1M | $79K | 0.10% | 2.40% | 0.16% |
| Q1 2025 | $163.7M | $153.6M | $86.2M | $9.1M | $15K | 0.04% | 2.33% | 0.01% |
| Q4 2024 | $164.6M | $155.2M | $86.8M | $8.4M | $181K | 0.11% | 2.37% | 0.01% |
| Q3 2024 | $166.6M | $155.6M | $87.6M | $10.0M | $94K | 0.08% | 2.40% | 0.03% |
Loan mix (Q2 2026): real estate $82.7M · commercial $4.1M · consumer $1.4M · securities $61.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | UNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 1.24% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 11.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.1% | 62.9% | 97th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | UNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | UNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | UNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | UNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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