United National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United National Bank of Cairo, GA 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 | 1.54% | 1.34% | +0.20% | 65th above |
| ROAE | 10.38% | 13.32% | -2.94% | 38th below |
| Net Interest Margin | 4.87% | 3.93% | +0.94% | 90th top |
| Efficiency Ratio | 54.85% | 61.14% | -6.29% | 69th above |
| PPNR / Avg Assets | 2.24% | 1.68% | +0.56% | 81st top |
| Yield on Earning Assets | 6.91% | 5.67% | +1.24% | 94th top |
| Cost of Funds | 2.38% | 1.88% | +0.50% | 18th bottom |
| Net Interest Spread | 4.15% | 3.32% | +0.83% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.05% | 0.94% | +2.11% | 6th bottom |
| NPA / Total Assets | 3.05% | 0.70% | +2.35% | 3rd bottom |
| NCO / Avg Loans | -0.11% | 0.16% | -0.27% | 97th top |
| ACL / Total Loans | 2.21% | 1.28% | +0.93% | 95th top |
| ACL / NPLs (Coverage) | 72.24% | 1539.15% | -1466.91% | 19th bottom |
| Texas Ratio | 18.54% | 7.33% | +11.21% | 9th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.05% | 19.50% | +1.55% | 80th top |
| Tier 1 Ratio | 21.05% | 19.53% | +1.52% | 80th top |
| Total Capital Ratio | 22.32% | 20.62% | +1.70% | 81st top |
| Leverage Ratio | 14.77% | 12.14% | +2.63% | 85th top |
| Equity / Assets | 14.71% | 11.37% | +3.34% | 87th top |
| TCE / Tangible Assets | 14.71% | 11.09% | +3.62% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.19% | 80.63% | +15.56% | 16th bottom |
| Core Deposit Ratio | 81.39% | 86.86% | -5.47% | 19th bottom |
| Wholesale Funding Ratio | 1.43% | 5.03% | -3.60% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.87% | 6.85% | -5.98% | 25th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.82% | 7.90% | -1.08% | 59th above |
| Deposit Growth (Y/Y) | 0.75% | 6.29% | -5.54% | 28th below |
See United National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United National 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 National Bank profile, how to read a UBPR, or how this data updates.