United Bank & Trust Co.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Bank & Trust Co. of Marshalltown, IA 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 | 1.19% | 1.34% | -0.15% | 45th below |
| ROAE | 12.14% | 13.32% | -1.18% | 49th below |
| Net Interest Margin | 3.71% | 3.93% | -0.22% | 37th below |
| Efficiency Ratio | 58.22% | 61.13% | -2.91% | 59th above |
| PPNR / Avg Assets | 1.58% | 1.68% | -0.10% | 49th below |
| Yield on Earning Assets | 4.78% | 5.67% | -0.89% | 16th bottom |
| Cost of Funds | 1.18% | 1.88% | -0.70% | 86th top |
| Net Interest Spread | 3.40% | 3.32% | +0.08% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.57% | 0.94% | +0.63% | 17th bottom |
| NPA / Total Assets | 0.90% | 0.70% | +0.20% | 23rd bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.31% | 1.28% | +0.03% | 63rd above |
| ACL / NPLs (Coverage) | 83.10% | 1546.31% | -1463.21% | 22nd bottom |
| Texas Ratio | 8.44% | 7.34% | +1.10% | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.47% | 19.49% | -3.02% | 60th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.47% | 19.52% | -3.05% | 60th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.70% | 20.61% | -2.91% | 61st above |
| Leverage Ratio | 10.46% | 12.14% | -1.68% | 40th below |
| Equity / Assets | 9.94% | 11.36% | -1.42% | 44th below |
| TCE / Tangible Assets | 9.94% | 11.08% | -1.14% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.56% | 80.66% | -16.10% | 78th top |
| Core Deposit Ratio | 96.86% | 86.85% | +10.01% | 92nd top |
| Wholesale Funding Ratio | 0.77% | 5.04% | -4.27% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.97% | 6.84% | -7.81% | 14th bottom |
| Loan Growth (Y/Y) | -5.93% | 7.92% | -13.85% | 6th bottom |
| Deposit Growth (Y/Y) | -0.55% | 6.29% | -6.84% | 20th bottom |
See United Bank & Trust Co.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Bank & Trust Co., 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 Co. profile, how to read a UBPR, or how this data updates.