Unb Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Unb Bank of Mount Carmel, PA 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 | 0.24% | 1.25% | -1.01% | 6th bottom |
| ROAE | 4.02% | 13.17% | -9.15% | 10th bottom |
| Net Interest Margin | 2.64% | 3.95% | -1.31% | 4th bottom |
| Efficiency Ratio | 91.05% | 61.50% | +29.55% | 5th bottom |
| PPNR / Avg Assets | 0.24% | — | — | 4th bottom |
| Yield on Earning Assets | 3.84% | 5.67% | -1.83% | 1st bottom |
| Cost of Funds | 1.28% | 1.87% | -0.59% | 81st top |
| Net Interest Spread | 2.04% | — | — | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.93% | -0.87% | 77th top |
| NPA / Total Assets | 0.03% | — | — | 80th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 33rd below |
| ACL / Total Loans | 0.85% | — | — | 13th bottom |
| ACL / NPLs (Coverage) | 1362.50% | — | — | — |
| Texas Ratio | 1.03% | 6.06% | -5.03% | 68th above |
| Provision / NCO | 0.00% | — | — | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.33% | 11.75% | -2.42% | 18th bottom |
| Equity / Assets | 5.98% | 10.98% | -5.00% | 2nd bottom |
| TCE / Tangible Assets | 5.98% | — | — | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.72% | 80.44% | -22.72% | 86th top |
| Core Deposit Ratio | 95.60% | 86.95% | +8.65% | 87th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.61% | — | — | 11th bottom |
| Loan Growth (Y/Y) | 3.71% | — | — | 40th below |
| Deposit Growth (Y/Y) | -2.29% | — | — | 12th bottom |
See Unb Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Unb 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 Unb Bank profile, how to read a UBPR, or how this data updates.