UBank: how it compares with its peers
Against 39 TN banks with half to twice its assets, UBank's strongest measure in Q2 2026 is assets per employee ($8.3M vs. a $6.0M peer median). Its weakest relative measure is efficiency ratio (64.13% vs. 67.05%).
| Measure | UBank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.20% | 0.88% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.29% | 3.99% | Top third Ahead of 77% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.13% | 67.05% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $6.0M | Top third Ahead of 87% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.81% | 80.34% | Context |
What it means for lending operations
Its efficiency ratio of 64.13% is better than the 67.05% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Heritage Community Bank Greeneville, TN · $184M
- Putnam 1st Mercantile Bank Cookeville, TN · $179M
- Citizens Savings Bank and Trust Company Nashville, TN · $188M
- Peoples Bank & Trust Company Manchester, TN · $169M
- Harpeth Bank & Trust Franklin, TN · $198M
- Greeneville Federal Bank, FSB Greeneville, TN · $204M
Questions about UBank
How big is UBank?
UBank, established in 1918, is headquartered in Knoxville, TN. It reported $183M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is UBank's return on assets?
1.20% annualized in Q2 2026, against a 0.88% median for 39 TN banks with half to twice its assets, ahead of 69% of them.
What is UBank's efficiency ratio?
64.13% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 67.05%, and lower is better.
Is UBank growing its loans?
Net loans grew 1.8% over the year to Q2 2026, while deposits grew 9.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.