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 Zebulon, GA 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 | 2.42% | 1.43% | +0.99% | 95th top |
| ROAE | 20.74% | 12.50% | +8.24% | 91st top |
| Net Interest Margin | 5.15% | 3.84% | +1.31% | 96th top |
| Efficiency Ratio | 48.77% | 58.88% | -10.11% | 78th top |
| PPNR / Avg Assets | 3.22% | 1.78% | +1.44% | 96th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.63% | 5.71% | -0.08% | 56th above |
| Cost of Funds | 0.52% | 2.03% | -1.51% | 99th top |
| Net Interest Spread | 4.79% | 3.18% | +1.61% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 0.96% | -0.74% | 80th top |
| NPA / Total Assets | 0.10% | 0.75% | -0.65% | 86th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.31% | -0.21% | 29th below |
| ACL / Total Loans | 2.02% | 1.25% | +0.77% | 96th top |
| ACL / NPLs (Coverage) | 915.95% | 698.60% | +217.35% | 90th top |
| Texas Ratio | 0.80% | 7.17% | -6.37% | 89th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 24.35% | 17.40% | +6.95% | 95th top |
| Tier 1 Ratio | 24.35% | 17.43% | +6.92% | 95th top |
| Total Capital Ratio | 25.61% | 18.49% | +7.12% | 95th top |
| Leverage Ratio | 12.75% | 11.59% | +1.16% | 83rd top |
| Equity / Assets | 12.04% | 11.33% | +0.71% | 76th top |
| TCE / Tangible Assets | 11.92% | 10.65% | +1.27% | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 50.29% | 86.39% | -36.10% | 96th top |
| Core Deposit Ratio | 99.16% | 85.54% | +13.62% | 98th top |
| Uninsured Deposit Ratio | 26.98% | 32.72% | -5.74% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.41% | 10.47% | -10.06% | 18th bottom |
| Loan Growth (Y/Y) | 2.63% | 8.00% | -5.37% | 32nd below |
| Deposit Growth (Y/Y) | 0.26% | 7.99% | -7.73% | 20th bottom |
See United Bank's peers by name
The 931 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.