| Metric | United Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.5% | -0.9 pts |
| Deposit growth (YoY) | +3.9% | +5.1% | -1.1 pts |
| Loan growth (YoY) | +5.6% | +5.9% | -0.3 pts |
| ROA | 1.31% | 1.26% | +0.0 pts |
| ROE | 8.8% | 12.2% | -3.4 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.48B | $1.22B | $929.8M | $221.1M | $9.5M | 1.31% | 4.47% | 0.95% |
| Q1 2026 | $1.45B | $1.20B | $891.5M | $215.9M | $4.1M | 1.13% | 4.34% | 1.20% |
| Q4 2025 | $1.45B | $1.19B | $882.5M | $213.0M | $18.7M | 1.32% | 4.66% | 1.18% |
| Q3 2025 | $1.42B | $1.18B | $893.1M | $207.3M | $14.2M | 1.35% | 4.68% | 0.66% |
| Q2 2025 | $1.42B | $1.18B | $880.6M | $200.1M | $9.7M | 1.39% | 4.67% | 0.83% |
| Q1 2025 | $1.39B | $1.16B | $869.6M | $194.4M | $4.7M | 1.33% | 4.59% | 1.05% |
| Q4 2024 | $1.39B | $1.17B | $860.9M | $186.3M | $23.8M | 1.78% | 4.62% | 1.18% |
| Q3 2024 | $1.37B | $1.15B | $846.4M | $179.5M | $16.3M | 1.64% | 4.59% | 1.33% |
Loan mix (Q2 2026): real estate $610.1M · commercial $198.4M · consumer $36.1M · securities $304.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | United Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 1.26% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 12.2% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.7% | 59.0% | 62th |
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 | United 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 | United 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 | United 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 | United 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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