Unified Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Unified Bank of Martins Ferry, OH 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 | 1.43% | 1.34% | +0.09% | 59th above |
| ROAE | 17.07% | 13.31% | +3.76% | 76th top |
| Net Interest Margin | 4.41% | 3.93% | +0.48% | 75th top |
| Efficiency Ratio | 55.12% | 61.14% | -6.02% | 69th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.58% | 1.68% | -0.10% | 50th above |
| Yield on Earning Assets | 5.99% | 5.67% | +0.32% | 68th above |
| Cost of Funds | 1.57% | 1.88% | -0.31% | 65th above |
| Net Interest Spread | 4.01% | 3.32% | +0.69% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.29% | 0.94% | +0.35% | 22nd bottom |
| NPA / Total Assets | 0.99% | 0.70% | +0.29% | 20th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 36th below |
| ACL / Total Loans | 0.88% | 1.28% | -0.40% | 15th bottom |
| ACL / NPLs (Coverage) | 67.99% | 1540.03% | -1472.04% | 17th bottom |
| Texas Ratio | 10.96% | 7.33% | +3.63% | 20th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 255.74% | 1396.95% | -1141.21% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.53% | 19.51% | -6.98% | 23rd bottom |
| Tier 1 Ratio | 12.53% | 19.55% | -7.02% | 23rd bottom |
| Total Capital Ratio | 13.22% | 20.63% | -7.41% | 19th bottom |
| Leverage Ratio | 8.99% | 12.14% | -3.15% | 12th bottom |
| Equity / Assets | 8.65% | 11.38% | -2.73% | 22nd bottom |
| TCE / Tangible Assets | 8.58% | 11.10% | -2.52% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.69% | 80.65% | -9.96% | 69th above |
| Core Deposit Ratio | 93.13% | 86.86% | +6.27% | 74th above |
| Wholesale Funding Ratio | 9.68% | 5.03% | +4.65% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.43% | 6.86% | -3.43% | 42nd below |
| Loan Growth (Y/Y) | -0.87% | 7.91% | -8.78% | 20th bottom |
| Deposit Growth (Y/Y) | 6.83% | 6.29% | +0.54% | 69th above |
See Unified Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Unified 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 Unified Bank profile, how to read a UBPR, or how this data updates.