Union Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Union Savings Bank of Danbury, CT 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 | 0.83% | 1.46% | -0.63% | 20th bottom |
| ROAE | 8.67% | 12.72% | -4.05% | 24th bottom |
| Net Interest Margin | 3.02% | 3.85% | -0.83% | 15th bottom |
| Efficiency Ratio | 69.19% | 57.39% | +11.80% | 22nd bottom |
| PPNR / Avg Assets | 1.08% | 1.88% | -0.80% | 18th bottom |
| Yield on Earning Assets | 4.56% | 5.72% | -1.16% | 8th bottom |
| Cost of Funds | 1.65% | 2.02% | -0.37% | 73rd above |
| Net Interest Spread | 2.38% | 3.18% | -0.80% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.39% | 1.00% | -0.61% | 66th above |
| NPA / Total Assets | 0.28% | 0.76% | -0.48% | 67th above |
| NCO / Avg Loans | -0.01% | 0.43% | -0.44% | 90th top |
| ACL / Total Loans | 1.02% | 1.31% | -0.29% | 33rd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 261.68% | 543.72% | -282.04% | 65th above |
| Texas Ratio | 2.81% | 7.40% | -4.59% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.48% | 11.44% | +0.04% | 69th above |
| Equity / Assets | 9.87% | 11.34% | -1.47% | 40th below |
| TCE / Tangible Assets | 9.37% | 10.50% | -1.13% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.58% | 86.94% | +6.64% | 34th below |
| Core Deposit Ratio | 90.90% | 85.55% | +5.35% | 62nd above |
| Uninsured Deposit Ratio | 22.67% | 33.14% | -10.47% | 78th top |
| Wholesale Funding Ratio | 11.10% | 5.70% | +5.40% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.61% | 9.69% | -5.08% | 46th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.57% | 8.06% | -0.49% | 62nd above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.46% | 7.87% | -1.41% | 60th above |
See Union Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Union Savings 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 Savings Bank profile, how to read a UBPR, or how this data updates.