Union Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Union Bank & Trust Company of Monticello, AR 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 | 1.53% | 1.35% | +0.18% | 64th above |
| ROAE | 17.50% | 12.05% | +5.45% | 78th top |
| Net Interest Margin | 4.05% | 3.90% | +0.15% | 56th above |
| Efficiency Ratio | 57.13% | 63.15% | -6.02% | 63rd above |
| PPNR / Avg Assets | 1.92% | 1.64% | +0.28% | 69th above |
| Yield on Earning Assets | 6.10% | 5.65% | +0.45% | 73rd above |
| Cost of Funds | 2.22% | 1.85% | +0.37% | 25th below |
| Net Interest Spread | 3.40% | 3.35% | +0.05% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.06% | 0.92% | +1.14% | 13th bottom |
| NPA / Total Assets | 1.63% | 0.67% | +0.96% | 11th bottom |
| NCO / Avg Loans | 0.15% | 0.15% | +0.00% | 15th bottom |
| ACL / Total Loans | 1.77% | 1.28% | +0.49% | 89th top |
| ACL / NPLs (Coverage) | 85.62% | 1645.80% | -1560.18% | 23rd bottom |
| Texas Ratio | 16.16% | 7.15% | +9.01% | 11th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 481.48% | 1189.63% | -708.15% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.19% | 12.46% | -2.27% | 35th below |
| Equity / Assets | 8.68% | 11.67% | -2.99% | 22nd bottom |
| TCE / Tangible Assets | 8.68% | 11.40% | -2.72% | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.36% | 78.64% | +8.72% | 34th below |
| Core Deposit Ratio | 79.62% | 87.10% | -7.48% | 15th bottom |
| Wholesale Funding Ratio | 0.11% | 5.12% | -5.01% | 96th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.72% | 6.47% | +3.25% | 82nd top |
| Loan Growth (Y/Y) | 9.34% | 7.64% | +1.70% | 71st above |
| Deposit Growth (Y/Y) | 9.26% | 6.02% | +3.24% | 80th top |
See Union Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Union Bank & Trust 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 Union Bank & Trust Company profile, how to read a UBPR, or how this data updates.