United Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Bank & Trust of Marysville, KS 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 | 1.56% | 1.34% | +0.22% | 67th above |
| ROAE | 13.50% | 13.31% | +0.19% | 57th above |
| Net Interest Margin | 3.92% | 3.93% | -0.01% | 49th below |
| Efficiency Ratio | 48.70% | 61.15% | -12.45% | 83rd top |
| PPNR / Avg Assets | 2.02% | 1.68% | +0.34% | 73rd above |
| Yield on Earning Assets | 5.43% | 5.67% | -0.24% | 41st below |
| Cost of Funds | 1.64% | 1.88% | -0.24% | 60th above |
| Net Interest Spread | 3.45% | 3.32% | +0.13% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 86th top |
| NPA / Total Assets | 0.10% | 0.70% | -0.60% | 69th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.31% | 1.28% | +0.03% | 64th above |
| ACL / NPLs (Coverage) | 38400.00% | 1503.78% | +36896.22% | — |
| Texas Ratio | 0.89% | 7.34% | -6.45% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.51% | 12.14% | -0.63% | 58th above |
| Equity / Assets | 11.92% | 11.37% | +0.55% | 70th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.92% | 11.09% | -0.17% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.12% | 80.63% | +13.49% | 20th bottom |
| Core Deposit Ratio | 90.97% | 86.86% | +4.11% | 61st above |
| Wholesale Funding Ratio | 7.79% | 5.03% | +2.76% | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.56% | 6.86% | -5.30% | 29th below |
| Loan Growth (Y/Y) | 3.19% | 7.91% | -4.72% | 38th below |
| Deposit Growth (Y/Y) | 3.00% | 6.29% | -3.29% | 43rd below |
See United Bank & Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Bank & Trust, 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 & Trust profile, how to read a UBPR, or how this data updates.