| Metric | United Trust Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +4.4% | -6.5 pts |
| Deposit growth (YoY) | +1.7% | +4.0% | -2.2 pts |
| Loan growth (YoY) | -4.6% | +5.6% | -10.2 pts |
| ROA | 1.15% | 1.24% | -0.1 pts |
| ROE | 12.1% | 11.9% | +0.2 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $178.2M | $126.1M | $145.9M | $17.6M | $1.0M | 1.15% | 2.80% | 0.35% |
| Q1 2026 | $172.2M | $122.5M | $144.5M | $16.3M | $376K | 0.88% | 2.68% | 0.41% |
| Q4 2025 | $170.6M | $121.2M | $140.7M | $15.9M | $1.5M | 0.88% | 2.44% | 0.12% |
| Q3 2025 | $176.1M | $122.7M | $152.0M | $15.6M | $1.2M | 0.90% | 2.38% | 0.12% |
| Q2 2025 | $182.0M | $124.0M | $152.9M | $15.1M | $646K | 0.75% | 2.35% | 0.07% |
| Q1 2025 | $165.2M | $116.2M | $141.1M | $14.8M | $309K | 0.74% | 2.37% | 0.17% |
| Q4 2024 | $169.8M | $117.3M | $142.8M | $14.5M | $1.1M | 0.67% | 2.14% | 0.17% |
| Q3 2024 | $168.6M | $111.3M | $142.9M | $13.9M | $542K | 0.45% | 2.11% | 0.19% |
Loan mix (Q2 2026): real estate $142.2M · commercial $2.3M · consumer $2.4M · securities $21K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | United Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.24% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 11.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.9% | 62.9% | 93th |
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 Trust 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 Trust 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 Trust 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 Trust 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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