The Union Bank Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Union Bank Company of Columbus Grove, OH against its peer group of 931 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 | 0.58% | 1.46% | -0.88% | 12th bottom |
| ROAE | 5.92% | 12.72% | -6.80% | 13th bottom |
| Net Interest Margin | 4.10% | 3.85% | +0.25% | 75th top |
| Efficiency Ratio | 56.27% | 57.41% | -1.14% | 57th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.75% | 1.88% | -0.13% | 52nd above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.57% | 5.72% | -0.15% | 52nd above |
| Cost of Funds | 1.66% | 2.02% | -0.36% | 72nd above |
| Net Interest Spread | 3.70% | 3.18% | +0.52% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 1.00% | -0.88% | 88th top |
| NPA / Total Assets | 0.07% | 0.76% | -0.69% | 89th top |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 66th above |
| ACL / Total Loans | 1.04% | 1.31% | -0.27% | 35th below |
| ACL / NPLs (Coverage) | 875.80% | 543.16% | +332.64% | 89th top |
| Texas Ratio | 0.78% | 7.39% | -6.61% | 89th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 515.22% | 618.67% | -103.45% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.13% | 17.34% | -2.21% | 71st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.13% | 17.37% | -2.24% | 71st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.12% | 18.42% | -2.30% | 70th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.78% | 11.44% | -0.66% | 57th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.49% | 11.34% | -0.85% | 52nd above |
| TCE / Tangible Assets | 8.66% | 10.50% | -1.84% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.46% | 86.96% | -14.50% | 83rd top |
| Core Deposit Ratio | 89.39% | 85.55% | +3.84% | 55th above |
| Uninsured Deposit Ratio | 28.17% | 33.13% | -4.96% | 60th above |
| Wholesale Funding Ratio | 6.47% | 5.70% | +0.77% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.80% | 9.67% | +11.13% | 91st top |
| Loan Growth (Y/Y) | 9.40% | 8.06% | +1.34% | 72nd above |
| Deposit Growth (Y/Y) | 10.66% | 7.87% | +2.79% | 77th top |
See The Union Bank Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Union Bank Company, 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 The Union Bank Company profile, how to read a UBPR, or how this data updates.