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 Springdale, AR against its peer group of 2603 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 | 1.25% | 1.34% | -0.09% | 49th below |
| ROAE | 11.90% | 13.32% | -1.42% | 47th below |
| Net Interest Margin | 4.41% | 3.93% | +0.48% | 75th top |
| Efficiency Ratio | 71.25% | 61.13% | +10.12% | 26th below |
| PPNR / Avg Assets | 1.25% | 1.68% | -0.43% | 31st below |
| Yield on Earning Assets | 6.87% | 5.67% | +1.20% | 93rd top |
| Cost of Funds | 2.59% | 1.88% | +0.71% | 13th bottom |
| Net Interest Spread | 3.87% | 3.32% | +0.55% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 0.94% | -0.84% | 73rd above |
| NPA / Total Assets | 0.09% | 0.70% | -0.61% | 71st above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 76th top |
| ACL / Total Loans | 1.58% | 1.28% | +0.30% | 83rd top |
| ACL / NPLs (Coverage) | 1534.12% | 1546.12% | -12.00% | — |
| Texas Ratio | 0.71% | 7.34% | -6.63% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.43% | 19.49% | -6.06% | 33rd below |
| Tier 1 Ratio | 13.43% | 19.52% | -6.09% | 33rd below |
| Total Capital Ratio | 14.69% | 20.61% | -5.92% | 34th below |
| Leverage Ratio | 10.66% | 12.14% | -1.48% | 44th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.80% | 11.36% | -0.56% | 57th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.80% | 11.08% | -0.28% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.13% | 80.66% | +14.47% | 18th bottom |
| Core Deposit Ratio | 89.58% | 86.85% | +2.73% | 52nd above |
| Wholesale Funding Ratio | 0.04% | 5.04% | -5.00% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.25% | 6.84% | -7.09% | 18th bottom |
| Loan Growth (Y/Y) | 0.51% | 7.92% | -7.41% | 24th bottom |
| Deposit Growth (Y/Y) | 2.83% | 6.29% | -3.46% | 42nd below |
See United Bank's peers by name
The 2603 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.