United Bank of Union: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Bank of Union of Union, MO against its peer group of 2672 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 | 1.55% | 1.34% | +0.21% | 66th above |
| ROAE | 19.04% | 13.31% | +5.73% | 84th top |
| Net Interest Margin | 4.05% | 3.93% | +0.12% | 56th above |
| Efficiency Ratio | 59.76% | 61.14% | -1.38% | 55th above |
| PPNR / Avg Assets | 1.76% | 1.68% | +0.08% | 60th above |
| Yield on Earning Assets | 6.02% | 5.67% | +0.35% | 69th above |
| Cost of Funds | 2.14% | 1.88% | +0.26% | 29th below |
| Net Interest Spread | 3.59% | 3.32% | +0.27% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.36% | 0.94% | +1.42% | 10th bottom |
| NPA / Total Assets | 1.97% | 0.70% | +1.27% | 8th bottom |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 80th top |
| ACL / Total Loans | 1.52% | 1.28% | +0.24% | 79th top |
| ACL / NPLs (Coverage) | 64.32% | 1539.58% | -1475.26% | 16th bottom |
| Texas Ratio | 20.56% | 7.32% | +13.24% | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.65% | 12.14% | -2.49% | 24th bottom |
| Equity / Assets | 8.32% | 11.38% | -3.06% | 17th bottom |
| TCE / Tangible Assets | 8.32% | 11.09% | -2.77% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.40% | 80.63% | +17.77% | 13th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.91% | 86.86% | +2.05% | 49th below |
| Wholesale Funding Ratio | 6.25% | 5.03% | +1.22% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.71% | 6.85% | -4.14% | 37th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.52% | 7.90% | -2.38% | 51st above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.28% | 6.29% | -2.01% | 52nd above |
See United Bank of Union's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Bank of Union, 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 of Union profile, how to read a UBPR, or how this data updates.