Knoxville, TN · Cert 1693 · U Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
46
Profitability
57
Liquidity
73
Efficiency
51
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Knoxville, TN · Cert 1693 · U Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Knoxville, TN · 2026 SOD (annual) · 0.6% share · #26 of 42 inst. · $0.2B of $26.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.72% | 0.93% | 0.99% | 1.12% | 1.17% | 1.18% | 1.20% | +21 bps | |
| Return on Equity | 5.69% | 5.60% | 7.02% | 7.48% | 8.49% | 8.92% | 9.12% | 9.31% | +182 bps | |
| Net Interest Margin | 3.65% | 3.59% | 4.05% | 4.12% | 4.09% | 3.93% | 4.01% | 4.04% | -8 bps | |
| Efficiency Ratio | 74.46% | 73.60% | 68.19% | 66.06% | 63.74% | 64.01% | 63.89% | 64.13% | -193 bps | |
| Non-Interest Burden | 2.63% | 2.56% | 2.66% | 2.62% | 2.50% | 2.42% | 2.47% | 2.50% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.93% | 19.04% | 8.42% | 8.89% | 6.76% | 7.09% | 10.79% | 8.12% | -77 bps | |
| Loan Growth (YoY) | 11.99% | 12.90% | 8.87% | 9.95% | 9.19% | 9.99% | 9.99% | 1.79% | -816 bps | |
| Deposit Growth (YoY) | 19.59% | 17.60% | 7.56% | 7.76% | 6.74% | 9.16% | 11.98% | 9.16% | +140 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.00% | 0.75% | 0.72% | 0.72% | 0.68% | 0.66% | 0.68% | -4 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.14% | -0.01% | 0.00% | 0.00% | 0.00% | -0.02% | 0.00% | 0 bps | |
| Allowance / Loans | 1.52% | 1.52% | 1.56% | 1.54% | 1.57% | 1.49% | 1.47% | 1.50% | -4 bps | |
| Allowance Coverage of NPLs | 20.4x | n/a | 2.1x | 2.1x | 2.2x | 2.2x | 2.2x | 2.2x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.99% | 13.36% | 14.02% | 14.10% | 13.65% | 13.21% | 13.33% | 13.14% | -96 bps | |
| Total Risk-Based Capital | 13.99% | 13.36% | 14.02% | 14.10% | 13.65% | 13.21% | 13.33% | 13.14% | -96 bps | |
| Equity / Assets | 12.98% | 12.85% | 13.61% | 13.37% | 13.03% | 12.97% | 13.00% | 12.83% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.80% | 86.83% | 90.36% | 90.16% | 84.70% | 87.49% | 88.76% | 84.07% | -608 bps | |
| Liquid Assets / Assets | 18.76% | 17.09% | 10.86% | 12.36% | 15.79% | 14.83% | 13.41% | 17.98% | +562 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 327% | 349% | 341% | n/a | n/a | |
Knoxville, TN · Cert 1693 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · U Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.19%
Rank 302 of 746
Net Interest Margin
4.04%
Rank 231 of 746
Efficiency Ratio
64.13%
Rank 363 of 746
Equity / Assets
12.83%
Rank 202 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.19% | 0.72% | 1.06% | 1.45% | Beats 60% | 302 / 746 | ||
| Return on Equity | 9.30% | 6.74% | 10.51% | 13.63% | Beats 41% | 438 / 746 | ||
| Net Interest Margin | 4.04% | 3.17% | 3.68% | 4.16% | Beats 69% | 231 / 746 | ||
| Efficiency Ratio | 64.13% | 55.74% | 64.58% | 75.47% | Beats 51% | 363 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.68% | 0.09% | 0.42% | 1.07% | Beats 39% | 456 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 53% | 348 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.14% | 11.55% | 13.75% | 17.60% | Beats 44% | 420 / 746 | ||
| Total Risk-Based Capital Ratio | 13.14% | 11.71% | 14.33% | 18.43% | Beats 39% | 457 / 746 | ||
| Equity / Assets | 12.83% | 8.90% | 10.51% | 13.06% | Beats 73% | 202 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.07% | 61.31% | 78.27% | 90.78% | 63rd pctl | 277 / 746 | ||
| Loans / Assets | 72.87% | 53.60% | 66.97% | 76.08% | 66th pctl | 257 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||