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 Atmore, AL 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 | 1.47% | 1.46% | +0.01% | 64th above |
| ROAE | 9.99% | 12.72% | -2.73% | 32nd below |
| Net Interest Margin | 4.54% | 3.85% | +0.69% | 89th top |
| Efficiency Ratio | 59.81% | 57.40% | +2.41% | 46th below |
| PPNR / Avg Assets | 1.91% | 1.88% | +0.03% | 63rd above |
| Yield on Earning Assets | 5.74% | 5.72% | +0.02% | 62nd above |
| Cost of Funds | 1.33% | 2.02% | -0.69% | 86th top |
| Net Interest Spread | 3.45% | 3.18% | +0.27% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.36% | 1.00% | +0.36% | 21st bottom |
| NPA / Total Assets | 0.95% | 0.76% | +0.19% | 26th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 43rd below |
| ACL / Total Loans | 1.31% | 1.31% | +0.00% | 71st above |
| ACL / NPLs (Coverage) | 96.42% | 543.61% | -447.19% | 28th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.48% | 7.39% | -0.91% | 38th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 592.74% | 618.62% | -25.88% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.70% | 17.33% | +3.37% | 92nd top |
| Tier 1 Ratio | 20.70% | 17.37% | +3.33% | 92nd top |
| Total Capital Ratio | 21.86% | 18.42% | +3.44% | 93rd top |
| Leverage Ratio | 15.79% | 11.43% | +4.36% | 94th top |
| Equity / Assets | 14.93% | 11.33% | +3.60% | 93rd top |
| TCE / Tangible Assets | 14.54% | 10.50% | +4.04% | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.95% | 86.96% | -10.01% | 75th top |
| Core Deposit Ratio | 90.85% | 85.55% | +5.30% | 62nd above |
| Uninsured Deposit Ratio | 48.43% | 33.11% | +15.32% | 11th bottom |
| Wholesale Funding Ratio | 1.89% | 5.71% | -3.82% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.53% | 9.68% | -5.15% | 45th below |
| Loan Growth (Y/Y) | 5.54% | 8.06% | -2.52% | 49th below |
| Deposit Growth (Y/Y) | 3.91% | 7.87% | -3.96% | 44th below |
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.