Union National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Union National Bank of Elgin, IL 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 | 1.42% | 1.34% | +0.08% | 59th above |
| ROAE | 14.66% | 13.31% | +1.35% | 64th above |
| Net Interest Margin | 3.58% | 3.93% | -0.35% | 31st below |
| Efficiency Ratio | 43.20% | 61.15% | -17.95% | 91st top |
| PPNR / Avg Assets | 2.03% | 1.68% | +0.35% | 74th above |
| Yield on Earning Assets | 5.22% | 5.67% | -0.45% | 32nd below |
| Cost of Funds | 2.03% | 1.88% | +0.15% | 36th below |
| Net Interest Spread | 2.45% | 3.32% | -0.87% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 75th top |
| ACL / Total Loans | 1.03% | 1.28% | -0.25% | 29th below |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.69% | 19.50% | -1.81% | 68th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.69% | 19.54% | -1.85% | 67th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.94% | 20.62% | -1.68% | 68th above |
| Leverage Ratio | 9.85% | 12.14% | -2.29% | 28th below |
| Equity / Assets | 9.71% | 11.38% | -1.67% | 39th below |
| TCE / Tangible Assets | 9.71% | 11.09% | -1.38% | 44th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.50% | 80.63% | +11.87% | 23rd bottom |
| Core Deposit Ratio | 94.18% | 86.86% | +7.32% | 80th top |
| Wholesale Funding Ratio | 0.74% | 5.04% | -4.30% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.42% | 6.85% | +7.57% | 91st top |
| Loan Growth (Y/Y) | 11.06% | 7.90% | +3.16% | 77th top |
| Deposit Growth (Y/Y) | 16.11% | 6.28% | +9.83% | 92nd top |
See Union National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Union National 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 National Bank profile, how to read a UBPR, or how this data updates.