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 Raceland, LA 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 | 1.77% | 1.35% | +0.42% | 77th top |
| ROAE | 12.63% | 12.05% | +0.58% | 52nd above |
| Net Interest Margin | 5.28% | 3.90% | +1.38% | 96th top |
| Efficiency Ratio | 69.76% | 63.15% | +6.61% | 29th below |
| PPNR / Avg Assets | 1.77% | 1.64% | +0.13% | 61st above |
| Yield on Earning Assets | 6.66% | 5.65% | +1.01% | 90th top |
| Cost of Funds | 1.53% | 1.85% | -0.32% | 67th above |
| Net Interest Spread | 4.52% | 3.35% | +1.17% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.39% | 0.92% | -0.53% | 51st above |
| NPA / Total Assets | 0.76% | 0.67% | +0.09% | 28th below |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 74th above |
| ACL / Total Loans | 3.09% | 1.28% | +1.81% | 99th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 797.75% | 1645.50% | -847.75% | 80th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.16% | 7.15% | -0.99% | 35th below |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.47% | 12.46% | +2.01% | 84th top |
| Equity / Assets | 14.30% | 11.67% | +2.63% | 86th top |
| TCE / Tangible Assets | 14.30% | 11.40% | +2.90% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.22% | 78.64% | +13.58% | 24th bottom |
| Core Deposit Ratio | 90.09% | 87.09% | +3.00% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.54% | 6.48% | -3.94% | 36th below |
| Loan Growth (Y/Y) | 0.76% | 7.64% | -6.88% | 25th below |
| Deposit Growth (Y/Y) | 6.07% | 6.02% | +0.05% | 65th 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.