United Republic Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Republic Bank of Omaha, NE 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 | 0.27% | 1.35% | -1.08% | 8th bottom |
| ROAE | 1.97% | 13.33% | -11.36% | 7th bottom |
| Net Interest Margin | 2.51% | 3.93% | -1.42% | 3rd bottom |
| Efficiency Ratio | 86.65% | 61.13% | +25.52% | 8th bottom |
| PPNR / Avg Assets | 0.36% | 1.68% | -1.32% | 6th bottom |
| Yield on Earning Assets | 5.90% | 5.67% | +0.23% | 64th above |
| Cost of Funds | 3.37% | 1.88% | +1.49% | 2nd bottom |
| Net Interest Spread | 2.22% | 3.32% | -1.10% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.89% | 0.94% | +3.95% | 3rd bottom |
| NPA / Total Assets | 7.49% | 0.70% | +6.79% | 0th bottom |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 79th top |
| ACL / Total Loans | 2.16% | 1.28% | +0.88% | 95th top |
| ACL / NPLs (Coverage) | 44.08% | 1546.42% | -1502.34% | 8th bottom |
| Texas Ratio | 58.52% | 7.33% | +51.19% | 1st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.57% | 12.14% | -0.57% | 59th above |
| Equity / Assets | 13.80% | 11.36% | +2.44% | 83rd top |
| TCE / Tangible Assets | 11.51% | 11.08% | +0.43% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.06% | 80.66% | +12.40% | 22nd bottom |
| Core Deposit Ratio | 61.27% | 86.85% | -25.58% | 2nd bottom |
| Wholesale Funding Ratio | 6.46% | 5.04% | +1.42% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -10.61% | 6.84% | -17.45% | 1st bottom |
| Loan Growth (Y/Y) | -10.74% | 7.92% | -18.66% | 2nd bottom |
| Deposit Growth (Y/Y) | -12.11% | 6.29% | -18.40% | 1st bottom |
See United Republic Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Republic 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 Republic Bank profile, how to read a UBPR, or how this data updates.