| Metric | United Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +5.5% | -5.1 pts |
| Deposit growth (YoY) | +0.3% | +5.1% | -4.8 pts |
| Loan growth (YoY) | +2.5% | +5.9% | -3.4 pts |
| ROA | 2.50% | 1.26% | +1.2 pts |
| ROE | 22.4% | 12.2% | +10.3 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.16B | $1.88B | $927.3M | $260.0M | $27.9M | 2.50% | 4.95% | 0.10% |
| Q1 2026 | $2.22B | $1.95B | $916.4M | $248.8M | $14.7M | 2.59% | 4.85% | 0.12% |
| Q4 2025 | $2.33B | $2.07B | $912.8M | $238.3M | $58.7M | 2.66% | 5.18% | 0.11% |
| Q3 2025 | $2.19B | $1.89B | $920.9M | $272.6M | $43.9M | 2.69% | 5.25% | 0.24% |
| Q2 2025 | $2.15B | $1.88B | $904.6M | $253.6M | $29.6M | 2.72% | 5.25% | 0.23% |
| Q1 2025 | $2.15B | $1.86B | $909.9M | $266.0M | $15.5M | 2.83% | 5.11% | 0.20% |
| Q4 2024 | $2.22B | $1.96B | $885.2M | $245.5M | $59.2M | 2.73% | 5.33% | 0.24% |
| Q3 2024 | $2.10B | $1.83B | $865.1M | $251.6M | $43.9M | 2.72% | 5.38% | 0.09% |
Loan mix (Q2 2026): real estate $818.4M · commercial $60.5M · consumer $53.8M · securities $755.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | United Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.50% | 1.26% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 22.4% | 12.2% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.95% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.3% | 59.0% | 15th |
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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