Unb Bank
Mount Carmel, PA · Cert 7631 · Peer group: banks under $1B in assets (n=581-629) · Unb Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
$167.3MAssets
$90.3MLoans
$156.4MDeposits
$10.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 72% of banks under $1B in assets (rank 162 of 581).
- Widest gap: equity / assets trails 98% of banks under $1B in assets (rank 618 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.14%
Rank 571 of 629
Net Interest Margin
2.52%
Rank 568 of 629
Efficiency Ratio
95.11%
Rank 573 of 629
Equity / Assets
5.98%
Rank 618 of 629
Non-interest income vs. expense
Unfavorable gap of $4.0M · efficiency ratio beats 9% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.14% | 0.60% | 1.01% | 1.45% | Beats 9% | 571 / 629 | |
| Return on Equity | 2.28% | 5.38% | 9.30% | 13.28% | Beats 13% | 548 / 629 | |
| Net Interest Margin | 2.52% | 3.03% | 3.54% | 4.05% | Beats 10% | 568 / 629 | |
| Efficiency Ratio | 95.11% | 58.35% | 67.79% | 79.08% | Beats 9% | 573 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.09% | 0.46% | 1.20% | Beats 72% | 162 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 52% | 280 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.33% | 11.24% | 13.84% | 18.77% | Beats 4% | 604 / 629 | |
| Total Risk-Based Capital Ratio | 9.33% | 11.58% | 14.43% | 19.66% | Beats 4% | 605 / 629 | |
| Equity / Assets | 5.98% | 9.09% | 10.65% | 13.80% | Beats 2% | 618 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 57.72% | 67.24% | 80.90% | 93.48% | 16th pctl | 498 / 594 | |
| Loans / Assets | 53.94% | 53.31% | 67.71% | 78.15% | 26th pctl | 467 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |