Ubank
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
$182.8MAssets
$133.2MLoans
$158.4MDeposits
$23.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 73% of banks under $1B in assets operating in a single state (rank 202 of 746).
- Widest gap: total risk-based capital ratio trails 61% of banks under $1B in assets operating in a single state (rank 457 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $4.6M · efficiency ratio beats 51% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |