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 Perham, MN 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 | 0.78% | 1.35% | -0.57% | 22nd bottom |
| ROAE | 9.97% | 12.05% | -2.08% | 36th below |
| Net Interest Margin | 3.41% | 3.90% | -0.49% | 24th bottom |
| Efficiency Ratio | 72.63% | 63.15% | +9.48% | 23rd bottom |
| PPNR / Avg Assets | 0.96% | 1.64% | -0.68% | 19th bottom |
| Yield on Earning Assets | 5.17% | 5.65% | -0.48% | 30th below |
| Cost of Funds | 1.91% | 1.85% | +0.06% | 43rd below |
| Net Interest Spread | 3.16% | 3.35% | -0.19% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.95% | 0.92% | +2.03% | 7th bottom |
| NPA / Total Assets | 1.76% | 0.67% | +1.09% | 9th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 35th below |
| ACL / Total Loans | 1.46% | 1.28% | +0.18% | 76th top |
| ACL / NPLs (Coverage) | 49.42% | 1645.82% | -1596.40% | 10th bottom |
| Texas Ratio | 19.62% | 7.14% | +12.48% | 8th bottom |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.49% | 12.46% | -1.97% | 41st below |
| Equity / Assets | 8.18% | 11.67% | -3.49% | 15th bottom |
| TCE / Tangible Assets | 8.12% | 11.40% | -3.28% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.59% | 78.65% | -13.06% | 77th top |
| Core Deposit Ratio | 94.70% | 87.09% | +7.61% | 82nd top |
| Wholesale Funding Ratio | 0.02% | 5.12% | -5.10% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.70% | 6.47% | -2.77% | 45th below |
| Loan Growth (Y/Y) | 2.61% | 7.64% | -5.03% | 34th below |
| Deposit Growth (Y/Y) | 2.46% | 6.02% | -3.56% | 38th below |
See United Community Bank's peers by name
The 2672 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.