Unibank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Unibank of Lynnwood, WA 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 | -0.37% | 1.25% | -1.62% | 2nd bottom |
| ROAE | -5.17% | 12.22% | -17.39% | 2nd bottom |
| Net Interest Margin | 2.40% | 3.95% | -1.55% | 2nd bottom |
| Efficiency Ratio | 149.44% | 63.71% | +85.73% | 1st bottom |
| PPNR / Avg Assets | -1.37% | — | — | 1st bottom |
| Yield on Earning Assets | 5.38% | 5.67% | -0.29% | 39th below |
| Cost of Funds | 3.13% | 1.87% | +1.26% | 4th bottom |
| Net Interest Spread | 1.71% | — | — | 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. | 0.54% | 0.88% | -0.34% | 44th below |
| NPA / Total Assets | 0.37% | — | — | 46th below |
| NCO / Avg Loans | -1.34% | 0.15% | -1.49% | 100th top |
| ACL / Total Loans | 1.08% | — | — | 36th below |
| ACL / NPLs (Coverage) | 201.44% | — | — | 48th below |
| Texas Ratio | 0.14% | 5.96% | -5.82% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.25% | 17.18% | -6.93% | 3rd bottom |
| Tier 1 Ratio | 10.25% | 17.21% | -6.96% | 3rd bottom |
| Total Capital Ratio | 11.30% | — | — | 3rd bottom |
| Leverage Ratio | 7.31% | 11.75% | -4.44% | 1st bottom |
| Equity / Assets | 7.17% | 10.98% | -3.81% | 7th bottom |
| TCE / Tangible Assets | 7.17% | — | — | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.95% | 80.44% | +3.51% | 43rd below |
| Core Deposit Ratio | 61.53% | 86.95% | -25.42% | 2nd bottom |
| Wholesale Funding Ratio | 10.18% | — | — | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.01% | — | — | 6th bottom |
| Loan Growth (Y/Y) | -14.88% | — | — | 1st bottom |
| Deposit Growth (Y/Y) | -10.18% | — | — | 2nd bottom |
See Unibank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Unibank, 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 Unibank 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 Unibank peer analysis.