United Bankers' Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Bankers' Bank of Richfield, MN 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 | 1.76% | 1.46% | +0.30% | 80th top |
| ROAE Behind the peer average, ahead of the median peer. | 12.66% | 12.72% | -0.06% | 52nd above |
| Net Interest Margin | 3.40% | 3.85% | -0.45% | 31st below |
| Efficiency Ratio | 73.90% | 57.40% | +16.50% | 14th bottom |
| PPNR / Avg Assets | 1.40% | 1.88% | -0.48% | 32nd below |
| Yield on Earning Assets | 5.39% | 5.72% | -0.33% | 41st below |
| Cost of Funds | 2.28% | 2.02% | +0.26% | 32nd below |
| Net Interest Spread | 1.72% | 3.18% | -1.46% | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.76% | 1.00% | -0.24% | 42nd below |
| NPA / Total Assets | 0.82% | 0.76% | +0.06% | 31st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 45th below |
| ACL / Total Loans | 1.72% | 1.31% | +0.41% | 92nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 226.14% | 543.48% | -317.34% | 59th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.36% | 7.39% | -2.03% | 46th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 266.67% | 618.77% | -352.10% | 66th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.12% | 17.34% | -0.22% | 83rd top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.12% | 17.37% | -0.25% | 83rd top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.37% | 18.42% | -0.05% | 84th top |
| Leverage Ratio | 14.46% | 11.43% | +3.03% | 91st top |
| Equity / Assets | 13.99% | 11.33% | +2.66% | 90th top |
| TCE / Tangible Assets | 13.99% | 10.50% | +3.49% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 122.72% | 86.94% | +35.78% | 2nd bottom |
| Core Deposit Ratio | 61.91% | 85.56% | -23.65% | 4th bottom |
| Uninsured Deposit Ratio | 36.88% | 33.12% | +3.76% | 35th below |
| Wholesale Funding Ratio | 24.00% | 5.69% | +18.31% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.78% | 9.69% | -16.47% | 2nd bottom |
| Loan Growth (Y/Y) | 0.58% | 8.06% | -7.48% | 20th bottom |
| Deposit Growth (Y/Y) | 3.23% | 7.87% | -4.64% | 38th below |
See United Bankers' Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Bankers' 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 Bankers' Bank profile, how to read a UBPR, or how this data updates.