| Metric | United Republic Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.6% | +4.4% | -15.0 pts |
| Deposit growth (YoY) | -12.1% | +4.0% | -16.1 pts |
| Loan growth (YoY) | -11.2% | +5.6% | -16.8 pts |
| ROA | 0.15% | 1.24% | -1.1 pts |
| ROE | 1.2% | 11.9% | -10.7 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $185.8M | $147.4M | $134.2M | $25.6M | $148K | 0.15% | 2.67% | 7.49% |
| Q1 2026 | $192.0M | $153.6M | $139.1M | $25.5M | $22K | 0.05% | 2.75% | 5.87% |
| Q4 2025 | $197.2M | $156.2M | $146.3M | $25.5M | $-2.8M | -1.38% | 2.69% | 5.73% |
| Q3 2025 | $201.3M | $161.1M | $148.0M | $26.6M | $-1.7M | -1.06% | 2.64% | 7.16% |
| Q2 2025 | $207.8M | $167.7M | $151.2M | $26.7M | $-1.5M | -1.40% | 2.39% | 6.33% |
| Q1 2025 | $214.8M | $171.2M | $155.0M | $27.4M | $-697K | -1.31% | 2.24% | 4.49% |
| Q4 2024 | $209.4M | $166.1M | $157.4M | $28.0M | $1.0M | 0.49% | 2.99% | 5.38% |
| Q3 2024 | $210.3M | $166.7M | $158.4M | $27.9M | $579K | 0.37% | 3.00% | 3.06% |
Loan mix (Q2 2026): real estate $119.8M · commercial $14.9M · consumer $1.3M · securities $17.2M
| Ratio | United Republic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 1.24% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 11.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.4% | 62.9% | 95th |
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 Republic 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 Republic 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 Republic 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 Republic 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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