| Metric | United Cumberland Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.4% | -1.3 pts |
| Deposit growth (YoY) | +3.2% | +4.0% | -0.7 pts |
| Loan growth (YoY) | +8.8% | +5.6% | +3.3 pts |
| ROA | 1.93% | 1.24% | +0.7 pts |
| ROE | 17.7% | 11.9% | +5.8 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $460.2M | $399.3M | $333.6M | $50.8M | $4.4M | 1.93% | 4.31% | 1.05% |
| Q1 2026 | $459.5M | $399.2M | $320.6M | $49.7M | $2.2M | 1.91% | 4.27% | 0.99% |
| Q4 2025 | $453.8M | $394.3M | $314.5M | $49.3M | $8.1M | 1.84% | 4.29% | 1.10% |
| Q3 2025 | $448.2M | $389.1M | $311.6M | $48.4M | $5.8M | 1.78% | 4.25% | 0.97% |
| Q2 2025 | $446.4M | $386.8M | $306.5M | $46.7M | $3.6M | 1.67% | 4.17% | 1.23% |
| Q1 2025 | $433.0M | $374.6M | $301.5M | $45.2M | $1.7M | 1.61% | 4.08% | 1.48% |
| Q4 2024 | $424.4M | $367.4M | $300.6M | $43.7M | $7.2M | 1.77% | 4.25% | 1.30% |
| Q3 2024 | $415.7M | $362.6M | $291.2M | $44.1M | $5.2M | 1.73% | 4.25% | 1.44% |
Loan mix (Q2 2026): real estate $282.7M · commercial $25.2M · consumer $25.8M · securities $75.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | United Cumberland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 17.7% | 11.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.3% | 62.9% | 36th |
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 Cumberland 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 Cumberland 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 Cumberland 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 Cumberland 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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