Union State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Union State Bank of Pell City, AL against its peer group of 2757 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 | 0.41% | 1.25% | -0.84% | 9th bottom |
| ROAE | 7.36% | 12.22% | -4.86% | 21st bottom |
| Net Interest Margin | 3.58% | 3.95% | -0.37% | 30th below |
| Efficiency Ratio | 87.61% | 63.71% | +23.90% | 6th bottom |
| PPNR / Avg Assets | 0.50% | — | — | 7th bottom |
| Yield on Earning Assets | 4.59% | 5.67% | -1.08% | 10th bottom |
| Cost of Funds | 1.00% | 1.87% | -0.87% | 91st top |
| Net Interest Spread | 3.32% | — | — | 49th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.00% | 0.88% | +1.12% | 13th bottom |
| NPA / Total Assets | 1.04% | — | — | 19th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 38th below |
| ACL / Total Loans | 0.90% | — | — | 17th bottom |
| ACL / NPLs (Coverage) | 45.08% | — | — | 8th bottom |
| Texas Ratio | 17.41% | 5.96% | +11.45% | 7th bottom |
| Provision / NCO | 1700.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.61% | 17.18% | -3.57% | 35th below |
| Tier 1 Ratio | 13.61% | 17.21% | -3.60% | 34th below |
| Total Capital Ratio | 14.29% | — | — | 30th below |
| Leverage Ratio | 9.61% | 11.75% | -2.14% | 23rd bottom |
| Equity / Assets | 5.56% | 10.98% | -5.42% | 1st bottom |
| TCE / Tangible Assets | 5.56% | — | — | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 51.67% | 80.44% | -28.77% | 91st top |
| Core Deposit Ratio | 94.91% | 86.95% | +7.96% | 84th top |
| Wholesale Funding Ratio | 3.77% | — | — | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.65% | — | — | 11th bottom |
| Loan Growth (Y/Y) | 20.39% | — | — | 93rd top |
| Deposit Growth (Y/Y) | -7.38% | — | — | 4th bottom |
See Union State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Union State 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 State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Union State Bank peer analysis.