| Metric | United Prairie Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.9% | -3.2 pts |
| Deposit growth (YoY) | +0.5% | +4.3% | -3.8 pts |
| Loan growth (YoY) | +2.4% | +5.3% | -3.0 pts |
| ROA | 1.45% | 1.28% | +0.2 pts |
| ROE | 14.6% | 12.4% | +2.2 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $939.3M | $788.4M | $786.1M | $96.0M | $6.9M | 1.45% | 4.11% | 0.55% |
| Q1 2026 | $974.6M | $838.3M | $779.8M | $92.6M | $3.3M | 1.36% | 3.99% | 0.06% |
| Q4 2025 | $954.2M | $815.2M | $786.7M | $94.9M | $9.6M | 1.04% | 3.65% | 0.11% |
| Q3 2025 | $931.4M | $793.0M | $758.9M | $91.0M | $6.0M | 0.87% | 3.52% | 0.21% |
| Q2 2025 | $923.7M | $784.2M | $767.8M | $87.4M | $4.3M | 0.92% | 3.45% | 0.32% |
| Q1 2025 | $925.1M | $795.4M | $751.2M | $84.8M | $1.8M | 0.77% | 3.34% | 0.29% |
| Q4 2024 | $915.5M | $775.5M | $760.5M | $86.7M | $8.7M | 0.97% | 3.28% | 0.35% |
| Q3 2024 | $912.5M | $767.2M | $743.7M | $87.3M | $6.3M | 0.94% | 3.30% | 0.28% |
Loan mix (Q2 2026): real estate $540.9M · commercial $103.2M · consumer $2.2M · securities $98.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | United Prairie Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.28% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 12.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 61.2% | 41th |
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 Prairie 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 Prairie 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 Prairie 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 Prairie 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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