United Midwest Savings Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Midwest Savings Bank, N.A. of De Graff, OH against its peer group of 2603 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 | -0.47% | 1.35% | -1.82% | 3rd bottom |
| ROAE | -3.42% | 13.33% | -16.75% | 3rd bottom |
| Net Interest Margin | 4.35% | 3.93% | +0.42% | 73rd above |
| Efficiency Ratio | 88.52% | 61.12% | +27.40% | 7th bottom |
| PPNR / Avg Assets | 1.16% | 1.68% | -0.52% | 27th below |
| Yield on Earning Assets | 7.46% | 5.67% | +1.79% | 98th top |
| Cost of Funds | 3.54% | 1.88% | +1.66% | 1st bottom |
| Net Interest Spread | 3.75% | 3.32% | +0.43% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.11% | 0.94% | +0.17% | 26th below |
| NPA / Total Assets | 0.80% | 0.70% | +0.10% | 26th below |
| NCO / Avg Loans | 2.81% | 0.16% | +2.65% | 1st bottom |
| ACL / Total Loans | 2.31% | 1.28% | +1.03% | 96th top |
| ACL / NPLs (Coverage) | 208.56% | 1546.86% | -1338.30% | 49th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.57% | 7.34% | -1.77% | 37th below |
| Provision / NCO | 81.05% | 1395.88% | -1314.83% | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.41% | 19.49% | -1.08% | 71st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.41% | 19.52% | -1.11% | 71st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.68% | 20.61% | -0.93% | 72nd above |
| Leverage Ratio | 12.93% | 12.14% | +0.79% | 74th above |
| Equity / Assets | 13.59% | 11.36% | +2.23% | 82nd top |
| TCE / Tangible Assets | 12.85% | 11.08% | +1.77% | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.19% | 80.66% | +7.53% | 32nd below |
| Core Deposit Ratio | 82.89% | 86.85% | -3.96% | 24th bottom |
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. | 6.08% | 6.84% | -0.76% | 63rd above |
| Loan Growth (Y/Y) | 8.94% | 7.92% | +1.02% | 69th above |
| Deposit Growth (Y/Y) | 6.34% | 6.29% | +0.05% | 66th above |
See United Midwest Savings Bank, N.A.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Midwest Savings Bank, N.A., 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 Midwest Savings Bank, N.A. profile, how to read a UBPR, or how this data updates.