| Metric | United Orient Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +4.4% | -4.8 pts |
| Deposit growth (YoY) | +1.0% | +4.0% | -2.9 pts |
| Loan growth (YoY) | +9.5% | +5.6% | +3.9 pts |
| ROA | -0.12% | 1.24% | -1.4 pts |
| ROE | -0.9% | 11.9% | -12.8 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $101.4M | $69.3M | $84.2M | $13.1M | $-62K | -0.12% | 4.69% | 0.67% |
| Q1 2026 | $103.9M | $71.5M | $82.2M | $13.1M | $-34K | -0.13% | 4.63% | 0.66% |
| Q4 2025 | $100.6M | $68.0M | $81.3M | $13.1M | $-170K | -0.17% | 4.69% | 0.70% |
| Q3 2025 | $99.9M | $66.9M | $78.5M | $13.2M | $-117K | -0.16% | 4.70% | 0.63% |
| Q2 2025 | $101.8M | $68.6M | $76.9M | $13.2M | $-72K | -0.14% | 4.73% | 0.62% |
| Q1 2025 | $102.0M | $68.6M | $77.7M | $13.2M | $-67K | -0.27% | 4.64% | 0.69% |
| Q4 2024 | $96.3M | $62.6M | $75.5M | $13.2M | $-210K | -0.22% | 4.97% | 0.74% |
| Q3 2024 | $91.9M | $58.1M | $74.3M | $13.3M | $-156K | -0.22% | 4.99% | 0.79% |
Loan mix (Q2 2026): real estate $79.8M · commercial $5.6M · consumer $13K · securities $2.0M
| Ratio | United Orient Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.12% | 1.24% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -0.9% | 11.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.7% | 62.9% | 98th |
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 Orient 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 Orient 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 Orient 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 Orient 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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