Union Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Union Bank of Morrisville, VT 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 | 0.76% | 1.34% | -0.58% | 15th bottom |
| ROAE Ahead of the peer average, behind the median peer. | 12.51% | 12.34% | +0.17% | 49th below |
| Net Interest Margin | 3.03% | 3.83% | -0.80% | 15th bottom |
| Efficiency Ratio | 73.96% | 58.97% | +14.99% | 13th bottom |
| PPNR / Avg Assets | 0.85% | — | — | 9th bottom |
| Yield on Earning Assets | 5.11% | 5.71% | -0.60% | 25th below |
| Cost of Funds | 2.15% | 2.02% | +0.13% | 39th below |
| Net Interest Spread | 2.46% | — | — | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.35% | 0.87% | +0.48% | 19th bottom |
| NPA / Total Assets | 0.97% | — | — | 22nd bottom |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 85th top |
| ACL / Total Loans | 0.75% | — | — | 11th bottom |
| ACL / NPLs (Coverage) | 55.29% | — | — | 8th bottom |
| Texas Ratio | 13.52% | 5.48% | +8.04% | 9th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.81% | 14.99% | -2.18% | 38th below |
| Tier 1 Ratio | 12.81% | 15.02% | -2.21% | 38th below |
| Total Capital Ratio | 13.73% | — | — | 35th below |
| Leverage Ratio | 7.82% | 11.11% | -3.29% | 2nd bottom |
| Equity / Assets | 6.81% | 11.02% | -4.21% | 2nd bottom |
| TCE / Tangible Assets | 6.67% | — | — | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.18% | 86.99% | +15.19% | 13th bottom |
| Core Deposit Ratio | 89.54% | 85.57% | +3.97% | 56th above |
| Uninsured Deposit Ratio | 39.48% | 33.19% | +6.29% | 28th below |
| Wholesale Funding Ratio | 21.63% | — | — | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.32% | — | — | 49th below |
| Loan Growth (Y/Y) | 0.91% | — | — | 21st bottom |
| Deposit Growth (Y/Y) | -0.68% | — | — | 14th bottom |
See Union Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Union 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 Union Bank 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 Union Bank peer analysis.