United Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Community Bank of Chatham, IL 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 Behind the peer average, ahead of the median peer. | 1.39% | 1.44% | -0.05% | 60th above |
| ROAE | 13.89% | 12.50% | +1.39% | 62nd above |
| Net Interest Margin | 3.12% | 3.84% | -0.72% | 18th bottom |
| Efficiency Ratio | 49.95% | 58.88% | -8.93% | 76th top |
| PPNR / Avg Assets | 1.82% | 1.78% | +0.04% | 58th above |
| Yield on Earning Assets | 5.03% | 5.71% | -0.68% | 21st bottom |
| Cost of Funds | 2.07% | 2.03% | +0.04% | 46th below |
| Net Interest Spread | 2.49% | 3.18% | -0.69% | 20th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.31% | 0.96% | -0.65% | 72nd above |
| NPA / Total Assets | 0.26% | 0.75% | -0.49% | 69th above |
| NCO / Avg Loans | -0.01% | 0.31% | -0.32% | 90th top |
| ACL / Total Loans | 1.26% | 1.25% | +0.01% | 65th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 408.78% | 699.16% | -290.38% | 78th top |
| Texas Ratio | 3.05% | 7.17% | -4.12% | 65th above |
| Provision / NCO | -155.74% | 815.82% | -971.56% | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.70% | 17.41% | -3.71% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.70% | 17.45% | -3.75% | 53rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.87% | 18.50% | -3.63% | 54th above |
| Leverage Ratio | 10.17% | 11.60% | -1.43% | 41st below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.37% | 11.33% | -0.96% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.83% | 10.65% | -0.82% | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.45% | 86.36% | -11.91% | 79th top |
| Core Deposit Ratio | 91.25% | 85.55% | +5.70% | 63rd above |
| Uninsured Deposit Ratio | 35.03% | 32.71% | +2.32% | 39th below |
| Wholesale Funding Ratio | 2.10% | 5.46% | -3.36% | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.40% | 10.46% | -4.06% | 58th above |
| Loan Growth (Y/Y) | 8.22% | 7.99% | +0.23% | 65th above |
| Deposit Growth (Y/Y) | 9.63% | 7.98% | +1.65% | 74th above |
See United Community Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Community 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 Community Bank profile, how to read a UBPR, or how this data updates.