The Union Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Union Bank of Beulah, ND 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 | 1.06% | 1.34% | -0.28% | 37th below |
| ROAE | 11.65% | 13.31% | -1.66% | 46th below |
| Net Interest Margin | 4.30% | 3.93% | +0.37% | 70th above |
| Efficiency Ratio | 63.24% | 61.14% | +2.10% | 44th below |
| PPNR / Avg Assets | 1.38% | 1.68% | -0.30% | 38th below |
| Yield on Earning Assets | 5.95% | 5.67% | +0.28% | 66th above |
| Cost of Funds | 1.78% | 1.88% | -0.10% | 52nd above |
| Net Interest Spread | 3.77% | 3.32% | +0.45% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.46% | 0.94% | +0.52% | 19th bottom |
| NPA / Total Assets | 0.91% | 0.70% | +0.21% | 23rd bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.10% | 1.28% | -0.18% | 38th below |
| ACL / NPLs (Coverage) | 75.40% | 1539.16% | -1463.76% | 20th bottom |
| Texas Ratio | 9.18% | 7.33% | +1.85% | 24th bottom |
| Provision / NCO | 5200.00% | 1393.74% | +3806.26% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.12% | 12.14% | -2.02% | 34th below |
| Equity / Assets | 9.67% | 11.37% | -1.70% | 39th below |
| TCE / Tangible Assets | 9.12% | 11.09% | -1.97% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.32% | 80.64% | -7.32% | 65th above |
| Core Deposit Ratio | 91.01% | 86.86% | +4.15% | 61st above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.48% | 5.03% | -0.55% | 42nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.80% | 6.85% | -6.05% | 24th bottom |
| Loan Growth (Y/Y) | 2.89% | 7.90% | -5.01% | 36th below |
| Deposit Growth (Y/Y) | -2.97% | 6.29% | -9.26% | 10th bottom |
See The Union Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The 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 The Union Bank profile, how to read a UBPR, or how this data updates.