| Metric | United National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +4.4% | -3.5 pts |
| Deposit growth (YoY) | +0.8% | +4.0% | -3.2 pts |
| Loan growth (YoY) | +7.1% | +5.6% | +1.5 pts |
| ROA | 1.23% | 1.24% | -0.0 pts |
| ROE | 8.3% | 11.9% | -3.6 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $308.7M | $255.9M | $240.7M | $45.4M | $1.9M | 1.23% | 4.70% | 2.34% |
| Q1 2026 | $316.6M | $262.3M | $228.2M | $47.0M | $721K | 0.92% | 4.41% | 2.44% |
| Q4 2025 | $312.1M | $257.3M | $226.2M | $46.6M | $4.4M | 1.46% | 5.03% | 1.76% |
| Q3 2025 | $311.7M | $257.9M | $230.8M | $45.4M | $3.3M | 1.47% | 5.05% | 1.48% |
| Q2 2025 | $306.0M | $254.0M | $224.8M | $44.2M | $2.2M | 1.51% | 5.09% | 1.53% |
| Q1 2025 | $297.5M | $241.1M | $217.3M | $45.5M | $1.1M | 1.48% | 5.05% | 1.27% |
| Q4 2024 | $287.2M | $231.2M | $219.2M | $44.3M | $4.4M | 1.56% | 5.20% | 1.45% |
| Q3 2024 | $288.1M | $233.0M | $231.9M | $43.3M | $3.3M | 1.56% | 5.17% | 1.91% |
Loan mix (Q2 2026): real estate $169.5M · commercial $18.2M · consumer $8.0M · securities $30.4M
| Ratio | United National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.24% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.2% | 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 National 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 National 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 National 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 National 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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