Ubank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ubank of Knoxville, TN against its peer group of 2757 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 | 1.21% | 1.25% | -0.04% | 45th below |
| ROAE | 9.49% | 13.17% | -3.68% | 32nd below |
| Net Interest Margin | 4.33% | 3.95% | +0.38% | 72nd above |
| Efficiency Ratio | 64.17% | 61.50% | +2.67% | 41st below |
| PPNR / Avg Assets | 1.56% | — | — | 48th below |
| Yield on Earning Assets | 6.40% | 5.67% | +0.73% | 84th top |
| Cost of Funds | 2.31% | 1.87% | +0.44% | 21st bottom |
| Net Interest Spread | 3.56% | — | — | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.68% | 0.93% | -0.25% | 38th below |
| NPA / Total Assets | 0.49% | — | — | 39th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 35th below |
| ACL / Total Loans | 1.50% | — | — | 79th top |
| ACL / NPLs (Coverage) | 222.47% | — | — | 51st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.56% | 6.06% | -2.50% | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.14% | 11.75% | +1.39% | 76th top |
| Equity / Assets | 12.83% | 10.98% | +1.85% | 77th top |
| TCE / Tangible Assets | 12.83% | — | — | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.07% | 80.44% | +3.63% | 43rd below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.77% | 86.95% | +0.82% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.12% | — | — | 75th top |
| Loan Growth (Y/Y) | 1.79% | — | — | 30th below |
| Deposit Growth (Y/Y) | 9.16% | — | — | 79th top |
See Ubank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ubank, 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 Ubank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Ubank peer analysis.