Unity Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Unity Bank of Augusta, WI against its peer group of 2757 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 | 0.01% | 1.25% | -1.24% | 4th bottom |
| ROAE | 0.10% | 12.22% | -12.12% | 4th bottom |
| Net Interest Margin | 3.80% | 3.95% | -0.15% | 41st below |
| Efficiency Ratio | 94.68% | 63.71% | +30.97% | 3rd bottom |
| PPNR / Avg Assets | 0.20% | — | — | 3rd bottom |
| Yield on Earning Assets | 5.55% | 5.67% | -0.12% | 47th below |
| Cost of Funds | 1.88% | 1.87% | +0.01% | 45th below |
| Net Interest Spread | 3.27% | — | — | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 8.39% | 0.88% | +7.51% | 0th bottom |
| NPA / Total Assets | 6.69% | — | — | 0th bottom |
| NCO / Avg Loans | 0.25% | 0.15% | +0.10% | 10th bottom |
| ACL / Total Loans | 3.25% | — | — | 99th top |
| ACL / NPLs (Coverage) | 38.69% | — | — | 6th bottom |
| Texas Ratio | 56.34% | 5.96% | +50.38% | 0th bottom |
| Provision / NCO | 106.38% | — | — | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.16% | 17.18% | -5.02% | 19th bottom |
| Tier 1 Ratio | 12.16% | 17.21% | -5.05% | 18th bottom |
| Total Capital Ratio | 13.44% | — | — | 21st bottom |
| Leverage Ratio | 8.78% | 11.75% | -2.97% | 9th bottom |
| Equity / Assets | 9.04% | 10.98% | -1.94% | 27th below |
| TCE / Tangible Assets | 8.90% | — | — | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.70% | 80.44% | +5.26% | 39th below |
| Core Deposit Ratio | 92.83% | 86.95% | +5.88% | 73rd above |
| Wholesale Funding Ratio | 1.71% | — | — | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -7.90% | — | — | 2nd bottom |
| Loan Growth (Y/Y) | -9.58% | — | — | 3rd bottom |
| Deposit Growth (Y/Y) | -6.64% | — | — | 4th bottom |
See Unity Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Unity 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 Unity Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Unity Bank peer analysis.