| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +4.4% | -5.3 pts |
| Deposit growth (YoY) | -0.6% | +4.0% | -4.5 pts |
| Loan growth (YoY) | -5.9% | +5.6% | -11.5 pts |
| ROA | 1.24% | 1.24% | +0.0 pts |
| ROE | 12.7% | 11.9% | +0.8 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $120.1M | $106.7M | $68.0M | $11.9M | $752K | 1.24% | 3.57% | 0.90% |
| Q1 2026 | $119.6M | $105.7M | $68.1M | $11.8M | $392K | 1.29% | 3.39% | 1.01% |
| Q4 2025 | $122.9M | $109.0M | $68.3M | $11.9M | $1.5M | 1.22% | 3.20% | 0.83% |
| Q3 2025 | $119.9M | $105.7M | $70.1M | $11.7M | $1.1M | 1.18% | 3.15% | 0.90% |
| Q2 2025 | $121.3M | $107.3M | $72.3M | $11.3M | $677K | 1.08% | 3.09% | 0.89% |
| Q1 2025 | $124.2M | $110.7M | $73.7M | $10.9M | $301K | 0.95% | 2.94% | 0.90% |
| Q4 2024 | $130.3M | $118.6M | $70.3M | $10.6M | $1.1M | 0.88% | 2.85% | 0.88% |
| Q3 2024 | $123.0M | $108.7M | $73.2M | $11.0M | $718K | 0.79% | 2.84% | 0.96% |
Loan mix (Q2 2026): real estate $58.4M · commercial $4.6M · consumer $494K · securities $33.6M
| Ratio | United Bank & Trust Co. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.24% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 11.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.0% | 62.9% | 39th |
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 & Trust Co. | 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 & Trust Co. | 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 & Trust Co. | 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 & Trust Co. | 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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