The Union Banking Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Union Banking Company of West Mansfield, OH against its peer group of 536 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 | 0.33% | 3.14% | -2.81% | 21st bottom |
| ROAE | 17.25% | 10.41% | +6.84% | 86th top |
| Net Interest Margin | 1.92% | 3.93% | -2.01% | 3rd bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 72.43% | 76.31% | -3.88% | 45th below |
| PPNR / Avg Assets | 0.36% | 1.40% | -1.04% | 18th bottom |
| Yield on Earning Assets | 3.52% | 5.35% | -1.83% | 5th bottom |
| Cost of Funds | 2.01% | 1.70% | +0.31% | 28th below |
| Net Interest Spread | 1.52% | 3.31% | -1.79% | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.44% | 1.34% | -0.90% | 45th below |
| NPA / Total Assets | 0.07% | 0.71% | -0.64% | 55th above |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.99% | 1.49% | -0.50% | 27th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 227.03% | 865.57% | -638.54% | 63rd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.12% | 8.26% | -4.14% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 33.90% | 61.95% | -28.05% | 70th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 33.90% | 61.95% | -28.05% | 70th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 34.34% | 62.92% | -28.58% | 70th above |
| Leverage Ratio | 10.77% | 17.61% | -6.84% | 27th below |
| Equity / Assets | 2.38% | 16.44% | -14.06% | 1st bottom |
| TCE / Tangible Assets | 2.38% | 16.19% | -13.81% | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 18.66% | 72.91% | -54.25% | 95th top |
| Core Deposit Ratio | 81.84% | 88.22% | -6.38% | 16th bottom |
| Wholesale Funding Ratio | 14.07% | 5.24% | +8.83% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.45% | 4.30% | +4.15% | 78th top |
| Loan Growth (Y/Y) | 38.70% | 6.67% | +32.03% | 96th top |
| Deposit Growth (Y/Y) | 8.07% | 3.76% | +4.31% | 77th top |
See The Union Banking Company's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Union Banking 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 Banking Company profile, how to read a UBPR, or how this data updates.