Unity National Bank of Houston: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Unity National Bank of Houston of Houston, TX 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 | 0.06% | 1.34% | -1.28% | 5th bottom |
| ROAE | 0.47% | 13.32% | -12.85% | 5th bottom |
| Net Interest Margin | 2.09% | 3.93% | -1.84% | 1st bottom |
| Efficiency Ratio | 99.36% | 61.13% | +38.23% | 3rd bottom |
| PPNR / Avg Assets | 0.13% | 1.68% | -1.55% | 4th bottom |
| Yield on Earning Assets | 4.83% | 5.67% | -0.84% | 17th bottom |
| Cost of Funds | 3.25% | 1.88% | +1.37% | 3rd bottom |
| Net Interest Spread | 1.11% | 3.32% | -2.21% | 1st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.77% | 0.94% | -0.17% | 35th below |
| NPA / Total Assets | 0.71% | 0.70% | +0.01% | 29th below |
| NCO / Avg Loans | -0.17% | 0.16% | -0.33% | 98th top |
| ACL / Total Loans | 1.41% | 1.28% | +0.13% | 73rd above |
| ACL / NPLs (Coverage) | 184.28% | 1539.00% | -1354.72% | 45th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.34% | 7.33% | -1.99% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 8.48% | 19.51% | -11.03% | 0th bottom |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.45% | 19.54% | -4.09% | 53rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.68% | 20.62% | -3.94% | 54th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.02% | 12.14% | -0.12% | 65th above |
| Equity / Assets | 12.28% | 11.37% | +0.91% | 73rd above |
| TCE / Tangible Assets | 6.74% | 11.09% | -4.35% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.67% | 80.64% | -3.97% | 58th above |
| Core Deposit Ratio | 65.78% | 86.86% | -21.08% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.22% | 6.85% | -9.07% | 10th bottom |
| Loan Growth (Y/Y) | 4.81% | 7.90% | -3.09% | 46th below |
| Deposit Growth (Y/Y) | -2.79% | 6.29% | -9.08% | 11th bottom |
See Unity National Bank of Houston's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Unity National Bank of Houston, 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 National Bank of Houston profile, how to read a UBPR, or how this data updates.