United Bank
Springdale, AR · Cert 32025 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · United Holding Co. Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
$296.0MAssets
$247.6MLoans
$260.3MDeposits
$32.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: efficiency ratio trails 66% of banks under $1B in assets operating in a single state (rank 490 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.96%
Rank 423 of 746
Net Interest Margin
4.15%
Rank 193 of 746
Efficiency Ratio
71.11%
Rank 490 of 746
Equity / Assets
10.80%
Rank 341 of 746
Non-interest income vs. expense
Unfavorable gap of $8.8M · efficiency ratio beats 34% 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 | 0.96% | 0.72% | 1.06% | 1.45% | Beats 43% | 423 / 746 | |
| Return on Equity | 8.93% | 6.74% | 10.51% | 13.63% | Beats 40% | 450 / 746 | |
| Net Interest Margin | 4.15% | 3.17% | 3.68% | 4.16% | Beats 74% | 193 / 746 | |
| Efficiency Ratio | 71.11% | 55.74% | 64.58% | 75.47% | Beats 34% | 490 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.42% | 1.07% | Beats 74% | 193 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 13.43% | 11.55% | 13.75% | 17.60% | Beats 46% | 401 / 746 | |
| Total Risk-Based Capital Ratio | 14.69% | 11.71% | 14.33% | 18.43% | Beats 52% | 357 / 746 | |
| Equity / Assets | 10.80% | 8.90% | 10.51% | 13.06% | Beats 54% | 341 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 95.13% | 61.31% | 78.27% | 90.78% | 84th pctl | 118 / 746 | |
| Loans / Assets | 83.65% | 53.60% | 66.97% | 76.08% | 93rd pctl | 55 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |