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 Cincinnati, OH 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 | 1.85% | 1.43% | +0.42% | 83rd top |
| ROAE | 17.63% | 12.50% | +5.13% | 83rd top |
| Net Interest Margin | 2.96% | 3.84% | -0.88% | 13th bottom |
| Efficiency Ratio | 51.79% | 58.88% | -7.09% | 70th above |
| PPNR / Avg Assets | 1.88% | 1.78% | +0.10% | 61st above |
| Yield on Earning Assets | 5.89% | 5.71% | +0.18% | 71st above |
| Cost of Funds | 3.06% | 2.03% | +1.03% | 7th bottom |
| Net Interest Spread | 2.58% | 3.18% | -0.60% | 23rd 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. | 0.71% | 0.96% | -0.25% | 45th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.63% | 0.75% | -0.12% | 40th below |
| NCO / Avg Loans | -0.00% | 0.31% | -0.31% | 89th top |
| ACL / Total Loans | 0.81% | 1.25% | -0.44% | 14th bottom |
| ACL / NPLs (Coverage) | 115.52% | 699.49% | -583.97% | 36th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.80% | 7.16% | -1.36% | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.51% | 11.60% | -1.09% | 50th above |
| Equity / Assets | 10.17% | 11.33% | -1.16% | 46th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.17% | 10.65% | -0.48% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.54% | 86.34% | +14.20% | 16th bottom |
| Core Deposit Ratio | 89.50% | 85.55% | +3.95% | 56th above |
| Uninsured Deposit Ratio | 13.45% | 32.73% | -19.28% | 94th top |
| Wholesale Funding Ratio | 0.87% | 5.46% | -4.59% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.15% | 10.47% | -10.62% | 15th bottom |
| Loan Growth (Y/Y) | -0.81% | 8.00% | -8.81% | 14th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.82% | 7.98% | -3.16% | 50th 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.