United Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Bank of Fairfax, VA against its peer group of 134 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 | 1.61% | 1.35% | +0.26% | 76th top |
| ROAE | 9.72% | 12.31% | -2.59% | 35th below |
| Net Interest Margin | 3.79% | 3.68% | +0.11% | 63rd above |
| Efficiency Ratio | 44.73% | 53.89% | -9.16% | 81st top |
| PPNR / Avg Assets | 2.12% | 1.96% | +0.16% | 72nd above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.46% | 5.57% | -0.11% | 60th above |
| Cost of Funds | 1.86% | 2.00% | -0.14% | 58th above |
| Net Interest Spread | 3.04% | 2.98% | +0.06% | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.47% | 1.06% | -0.59% | 79th top |
| NPA / Total Assets | 0.38% | 0.76% | -0.38% | 70th above |
| NCO / Avg Loans | 0.08% | 0.36% | -0.28% | 69th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.20% | 1.37% | -0.17% | 55th above |
| ACL / NPLs (Coverage) | 253.01% | 209.57% | +43.44% | 77th top |
| Texas Ratio | 3.63% | 10.29% | -6.66% | 80th top |
| Provision / NCO | 118.47% | 107.32% | +11.15% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.69% | 14.75% | -1.06% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.69% | 14.87% | -1.18% | 62nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.91% | 16.09% | -1.18% | 62nd above |
| Leverage Ratio | 11.60% | 10.25% | +1.35% | 85th top |
| Equity / Assets | 16.69% | 11.50% | +5.19% | 95th top |
| TCE / Tangible Assets | 11.25% | 9.46% | +1.79% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.56% | 83.82% | +7.74% | 28th below |
| Core Deposit Ratio | 92.18% | 86.72% | +5.46% | 59th above |
| Uninsured Deposit Ratio | 38.29% | 38.95% | -0.66% | 54th above |
| Wholesale Funding Ratio | 1.24% | 5.69% | -4.45% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.93% | 10.15% | -7.22% | 32nd below |
| Loan Growth (Y/Y) | 3.91% | 10.18% | -6.27% | 38th below |
| Deposit Growth (Y/Y) | 2.97% | 10.00% | -7.03% | 38th below |
See United Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United 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 United Bank profile, how to read a UBPR, or how this data updates.