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 Grand Rapids, MI 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 | 1.30% | 1.25% | +0.05% | 51st above |
| ROAE | 15.15% | 12.22% | +2.93% | 66th above |
| Net Interest Margin | 4.37% | 3.95% | +0.42% | 73rd above |
| Efficiency Ratio | 72.52% | 63.71% | +8.81% | 22nd bottom |
| PPNR / Avg Assets | 1.40% | — | — | 38th below |
| Yield on Earning Assets | 6.13% | 5.67% | +0.46% | 74th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.82% | 1.87% | -0.05% | 48th below |
| Net Interest Spread | 3.71% | — | — | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.07% | 0.88% | +0.19% | 27th below |
| NPA / Total Assets | 0.86% | — | — | 24th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 75th top |
| ACL / Total Loans | 1.29% | — | — | 61st above |
| ACL / NPLs (Coverage) | 119.97% | — | — | 33rd below |
| Texas Ratio | 9.37% | 5.96% | +3.41% | 20th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.77% | 17.18% | -7.41% | 1st bottom |
| Tier 1 Ratio | 9.77% | 17.21% | -7.44% | 1st bottom |
| Total Capital Ratio | 10.96% | — | — | 2nd bottom |
| Leverage Ratio | 8.83% | 11.75% | -2.92% | 10th bottom |
| Equity / Assets | 8.42% | 10.98% | -2.56% | 18th bottom |
| TCE / Tangible Assets | 8.19% | — | — | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.88% | 80.44% | +21.44% | 9th bottom |
| Core Deposit Ratio | 90.06% | 86.95% | +3.11% | 55th above |
| Wholesale Funding Ratio | 9.83% | — | — | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.96% | — | — | 46th below |
| Loan Growth (Y/Y) | 7.58% | — | — | 62nd above |
| Deposit Growth (Y/Y) | 4.59% | — | — | 54th above |
See Union Bank's peers by name
The 2757 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.