| Metric | University Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.6% | +5.5% | +7.1 pts |
| Deposit growth (YoY) | +20.8% | +5.1% | +15.7 pts |
| Loan growth (YoY) | +11.3% | +5.9% | +5.3 pts |
| ROA | 1.08% | 1.26% | -0.2 pts |
| ROE | 11.2% | 12.2% | -1.0 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.24B | $1.06B | $1.09B | $118.9M | $6.3M | 1.08% | 4.36% | 0.41% |
| Q1 2026 | $1.14B | $968.1M | $993.7M | $109.3M | $1.9M | 0.69% | 4.34% | 0.42% |
| Q4 2025 | $1.11B | $893.7M | $986.2M | $108.6M | $12.0M | 1.13% | 4.43% | 0.43% |
| Q3 2025 | $1.13B | $911.5M | $1.01B | $107.0M | $8.8M | 1.11% | 4.40% | 0.49% |
| Q2 2025 | $1.10B | $878.9M | $980.1M | $103.9M | $4.8M | 0.93% | 4.34% | 0.36% |
| Q1 2025 | $1.02B | $823.4M | $877.0M | $100.1M | $1.4M | 0.55% | 4.30% | 0.16% |
| Q4 2024 | $956.2M | $731.3M | $836.6M | $100.1M | $12.3M | 1.29% | 4.50% | 0.13% |
| Q3 2024 | $971.3M | $816.9M | $845.2M | $98.5M | $8.8M | 1.23% | 4.42% | 1.24% |
Loan mix (Q2 2026): real estate $1.01B · commercial $9.2M · consumer $16.8M · securities $21.6M
| Ratio | University Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 1.26% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 12.2% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 59.0% | 97th |
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 | University 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 | University 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 | University 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 | University 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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