United Orient Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Orient Bank of New York, NY 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 | -0.11% | 1.34% | -1.45% | 4th bottom |
| ROAE | -0.86% | 13.32% | -14.18% | 4th bottom |
| Net Interest Margin | 4.36% | 3.93% | +0.43% | 73rd above |
| Efficiency Ratio | 101.82% | 61.14% | +40.68% | 3rd bottom |
| PPNR / Avg Assets | -0.08% | 1.68% | -1.76% | 3rd bottom |
| Yield on Earning Assets | 6.36% | 5.67% | +0.69% | 83rd top |
| Cost of Funds | 2.43% | 1.88% | +0.55% | 17th bottom |
| Net Interest Spread | 3.23% | 3.32% | -0.09% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.71% | 0.94% | -0.23% | 37th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.60% | 0.70% | -0.10% | 34th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 58th above |
| ACL / NPLs (Coverage) | 178.84% | 1538.82% | -1359.98% | 44th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.82% | 7.33% | -2.51% | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.53% | 12.14% | +0.39% | 70th above |
| Equity / Assets | 12.88% | 11.37% | +1.51% | 78th top |
| TCE / Tangible Assets | 12.88% | 11.09% | +1.79% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 123.04% | 80.63% | +42.41% | 1st bottom |
| Core Deposit Ratio | 80.21% | 86.86% | -6.65% | 17th bottom |
| Wholesale Funding Ratio | 12.82% | 5.03% | +7.79% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.42% | 6.85% | -7.27% | 17th bottom |
| Loan Growth (Y/Y) | 9.34% | 7.90% | +1.44% | 71st above |
| Deposit Growth (Y/Y) | 1.04% | 6.29% | -5.25% | 29th below |
See United Orient Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Orient 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 Orient Bank profile, how to read a UBPR, or how this data updates.