| Metric | United Pacific Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +4.4% | +3.9 pts |
| Deposit growth (YoY) | +10.0% | +4.0% | +6.0 pts |
| Loan growth (YoY) | +19.3% | +5.6% | +13.7 pts |
| ROA | 0.40% | 1.24% | -0.8 pts |
| ROE | 2.3% | 11.9% | -9.5 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $191.0M | $156.8M | $152.0M | $32.3M | $374K | 0.40% | 4.11% | 2.03% |
| Q1 2026 | $187.1M | $153.0M | $136.8M | $32.1M | $163K | 0.35% | 4.01% | 0.11% |
| Q4 2025 | $186.0M | $151.8M | $135.1M | $32.0M | $645K | 0.37% | 4.03% | 0.12% |
| Q3 2025 | $186.8M | $152.7M | $137.3M | $31.8M | $518K | 0.40% | 4.05% | 0.12% |
| Q2 2025 | $176.5M | $142.6M | $127.4M | $31.6M | $288K | 0.34% | 4.03% | 0.00% |
| Q1 2025 | $164.1M | $131.9M | $125.6M | $31.4M | $73K | 0.18% | 3.97% | 0.00% |
| Q4 2024 | $160.4M | $125.8M | $120.7M | $31.2M | $2.1M | 1.34% | 4.50% | 0.00% |
| Q3 2024 | $155.4M | $120.3M | $113.6M | $31.4M | $2.1M | 1.79% | 4.62% | 0.00% |
Loan mix (Q2 2026): real estate $149.1M · commercial $5.4M · consumer $0 · securities $9.5M
| Ratio | United Pacific Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 11.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.9% | 62.9% | 91th |
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 Pacific 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 Pacific 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 Pacific 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 Pacific Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.