UNB Bank: how it compares with its peers
Against 23 PA banks with half to twice its assets, UNB Bank's strongest measure in Q2 2026 is assets per employee ($5.8M vs. a $6.2M peer median). Its weakest relative measure is return on assets (0.14% vs. 0.82%).
| Measure | UNB Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.14% | 0.82% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.67% | 3.38% | Bottom third Ahead of 26% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 95.11% | 78.73% | Bottom third Ahead of 4% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.2M | Middle third Ahead of 43% of peers |
| Loans to deposits Net loans and leases over total deposits. | 57.23% | 76.20% | Context |
What it means for lending operations
Its efficiency ratio of 95.11% is above the 78.73% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Westmoreland Federal Savings and Loan Association Latrobe, PA · $167M
- Sharon Bank Springfield, PA · $173M
- Slovenian Savings and Loan Association of Franklin-Conemaugh Conemaugh, PA · $181M
- The Haverford Trust Company Radnor, PA · $191M
Questions about UNB Bank
How big is UNB Bank?
UNB Bank, established in 1906, is headquartered in Mount Carmel, PA. It reported $167M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is UNB Bank's return on assets?
0.14% annualized in Q2 2026, against a 0.82% median for 23 PA banks with half to twice its assets, ahead of 4% of them.
What is UNB Bank's efficiency ratio?
95.11% in Q2 2026: it spent about 95 cents in noninterest expense for each dollar of revenue. The peer median is 78.73%, and lower is better.
Is UNB Bank growing its loans?
Net loans grew 3.8% over the year to Q2 2026, while deposits shrank 2.3%.
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 PA 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 Pennsylvania bank ranked.