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 Milford, IA 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 | 1.22% | 1.34% | -0.12% | 47th below |
| ROAE | 13.37% | 13.31% | +0.06% | 56th above |
| Net Interest Margin | 3.26% | 3.93% | -0.67% | 18th bottom |
| Efficiency Ratio | 58.94% | 61.14% | -2.20% | 57th above |
| PPNR / Avg Assets | 1.37% | 1.68% | -0.31% | 37th below |
| Yield on Earning Assets | 5.13% | 5.67% | -0.54% | 28th below |
| Cost of Funds | 2.05% | 1.88% | +0.17% | 34th below |
| Net Interest Spread | 2.85% | 3.32% | -0.47% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.51% | 0.94% | +0.57% | 18th bottom |
| NPA / Total Assets | 1.10% | 0.70% | +0.40% | 18th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.58% | 1.28% | +0.30% | 83rd top |
| ACL / NPLs (Coverage) | 105.27% | 1539.11% | -1433.84% | 29th below |
| Texas Ratio | 11.97% | 7.33% | +4.64% | 17th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.41% | 19.51% | -8.10% | 12th bottom |
| Tier 1 Ratio | 11.41% | 19.54% | -8.13% | 11th bottom |
| Total Capital Ratio | 12.66% | 20.62% | -7.96% | 13th bottom |
| Leverage Ratio | 8.45% | 12.14% | -3.69% | 6th bottom |
| Equity / Assets | 9.16% | 11.37% | -2.21% | 30th below |
| TCE / Tangible Assets | 8.12% | 11.09% | -2.97% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.02% | 80.63% | +10.39% | 26th below |
| Core Deposit Ratio | 93.17% | 86.86% | +6.31% | 75th top |
| Wholesale Funding Ratio | 9.10% | 5.03% | +4.07% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.07% | 6.85% | -5.78% | 26th below |
| Loan Growth (Y/Y) | -0.63% | 7.91% | -8.54% | 20th bottom |
| Deposit Growth (Y/Y) | 7.70% | 6.29% | +1.41% | 74th above |
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.