Ubank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ubank of Huntington, TX against its peer group of 941 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 | 1.58% | 1.34% | +0.24% | 70th above |
| ROAE | 15.72% | 12.34% | +3.38% | 75th top |
| Net Interest Margin | 5.48% | 3.83% | +1.65% | 97th top |
| Efficiency Ratio | 57.05% | 58.97% | -1.92% | 53rd above |
| PPNR / Avg Assets | 2.52% | — | — | 88th top |
| Yield on Earning Assets | 7.80% | 5.71% | +2.09% | 97th top |
| Cost of Funds | 2.35% | 2.02% | +0.33% | 27th below |
| Net Interest Spread | 5.14% | — | — | 98th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.46% | 0.87% | -0.41% | 55th above |
| NPA / Total Assets | 0.54% | — | — | 40th below |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 85th top |
| ACL / Total Loans | 1.20% | — | — | 58th above |
| ACL / NPLs (Coverage) | 261.42% | — | — | 59th above |
| Texas Ratio | 5.60% | 5.48% | +0.12% | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.46% | 11.11% | -0.65% | 49th below |
| Equity / Assets | 8.68% | 11.02% | -2.34% | 16th bottom |
| TCE / Tangible Assets | 8.68% | — | — | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.61% | 86.99% | +3.62% | 43rd below |
| Core Deposit Ratio | 70.19% | 85.57% | -15.38% | 9th bottom |
| Wholesale Funding Ratio | 0.50% | — | — | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 26.81% | — | — | 94th top |
| Loan Growth (Y/Y) | 34.75% | — | — | 95th top |
| Deposit Growth (Y/Y) | 32.43% | — | — | 94th top |
See Ubank's peers by name
The 941 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.