Oneunited Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Oneunited Bank of Boston, MA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.58% | 1.35% | -1.93% | 3rd bottom |
| ROAE | -6.15% | 12.06% | -18.21% | 3rd bottom |
| Net Interest Margin | 2.18% | 3.90% | -1.72% | 2nd bottom |
| Efficiency Ratio | 111.20% | 63.13% | +48.07% | 2nd bottom |
| PPNR / Avg Assets | -0.43% | 1.64% | -2.07% | 2nd bottom |
| Yield on Earning Assets | 4.13% | 5.65% | -1.52% | 3rd bottom |
| Cost of Funds | 2.10% | 1.85% | +0.25% | 32nd below |
| Net Interest Spread | 1.69% | 3.35% | -1.66% | 2nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.42% | 0.92% | -0.50% | 49th below |
| NPA / Total Assets | 0.27% | 0.67% | -0.40% | 53rd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 38th below |
| ACL / Total Loans | 0.39% | 1.28% | -0.89% | 1st bottom |
| ACL / NPLs (Coverage) | 92.74% | 1645.80% | -1553.06% | 25th below |
| Texas Ratio | 2.85% | 7.15% | -4.30% | 55th above |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.43% | 12.46% | -2.03% | 40th below |
| Equity / Assets | 9.29% | 11.67% | -2.38% | 32nd below |
| TCE / Tangible Assets | 6.19% | 11.40% | -5.21% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 80.00% | 78.64% | +1.36% | 51st above |
| Core Deposit Ratio | 71.12% | 87.10% | -15.98% | 6th bottom |
| Wholesale Funding Ratio | 9.64% | 5.11% | +4.53% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.13% | 6.47% | -1.34% | 56th above |
| Loan Growth (Y/Y) | 0.21% | 7.64% | -7.43% | 23rd bottom |
| Deposit Growth (Y/Y) | -1.10% | 6.03% | -7.13% | 18th bottom |
See Oneunited Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Oneunited Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Oneunited Bank profile, how to read a UBPR, or how this data updates.