| Metric | Unified Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.9% | -1.5 pts |
| Deposit growth (YoY) | +6.8% | +4.3% | +2.5 pts |
| Loan growth (YoY) | -0.9% | +5.3% | -6.3 pts |
| ROA | 1.38% | 1.28% | +0.1 pts |
| ROE | 16.1% | 12.4% | +3.7 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $871.7M | $702.1M | $492.0M | $75.4M | $5.9M | 1.38% | 3.81% | 0.99% |
| Q1 2026 | $852.6M | $681.4M | $495.9M | $71.4M | $2.8M | 1.31% | 3.69% | 1.06% |
| Q4 2025 | $851.7M | $657.2M | $487.1M | $73.9M | $11.4M | 1.36% | 3.74% | 0.56% |
| Q3 2025 | $862.5M | $661.4M | $492.1M | $70.9M | $8.5M | 1.36% | 3.69% | 0.66% |
| Q2 2025 | $842.8M | $657.2M | $496.5M | $65.1M | $5.6M | 1.36% | 3.67% | 0.60% |
| Q1 2025 | $825.5M | $637.5M | $492.7M | $66.9M | $2.7M | 1.33% | 3.61% | 0.64% |
| Q4 2024 | $813.9M | $627.9M | $487.0M | $69.4M | $11.3M | 1.38% | 3.57% | 0.51% |
| Q3 2024 | $821.9M | $629.3M | $471.1M | $71.7M | $8.5M | 1.38% | 3.52% | 0.51% |
Loan mix (Q2 2026): real estate $403.5M · commercial $81.1M · consumer $5.9M · securities $241.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Unified Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.28% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 12.4% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 61.2% | 58th |
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 | Unified 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 | Unified 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 | Unified 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 | Unified 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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