| Metric | United Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.4% | -1.5 pts |
| Deposit growth (YoY) | +2.0% | +4.0% | -1.9 pts |
| Loan growth (YoY) | +5.4% | +5.6% | -0.2 pts |
| ROA | 0.84% | 1.24% | -0.4 pts |
| ROE | 4.6% | 11.9% | -7.3 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $460.6M | $332.1M | $172.8M | $84.0M | $1.9M | 0.84% | 2.96% | 0.00% |
| Q1 2026 | $460.4M | $337.3M | $168.5M | $82.9M | $843K | 0.74% | 2.85% | 0.00% |
| Q4 2025 | $448.3M | $326.0M | $165.7M | $82.1M | $4.1M | 0.91% | 3.05% | 0.00% |
| Q3 2025 | $451.2M | $327.2M | $164.5M | $81.0M | $3.0M | 0.91% | 3.04% | 0.00% |
| Q2 2025 | $447.6M | $325.6M | $163.9M | $80.0M | $2.0M | 0.89% | 3.04% | 0.00% |
| Q1 2025 | $438.5M | $319.6M | $166.3M | $78.9M | $856K | 0.78% | 2.91% | 0.02% |
| Q4 2024 | $434.8M | $318.8M | $167.1M | $78.0M | $3.9M | 0.88% | 2.94% | 0.02% |
| Q3 2024 | $439.7M | $318.1M | $159.2M | $77.0M | $2.8M | 0.85% | 2.87% | 0.02% |
Loan mix (Q2 2026): real estate $171.9M · commercial $2.5M · consumer $118K · securities $134.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | United Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 1.24% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 62.9% | 52th |
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 Savings 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 Savings 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 Savings 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 Savings 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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