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United Bank
United Bank Business Model Canvas: Value Creation, Revenue, and Competitive Edge
Unlock the full strategic blueprint behind United Bank’s business model—our complete Business Model Canvas exposes how the bank creates value, scales revenue streams, and sustains competitive advantage across retail, commercial, and digital channels.
Partnerships
Fintech and Technology Integrators
The bank partners with fintechs and systems integrators to add real-time payments, fraud AI, and mobile tooling, cutting development time by ~60% and enabling a 24/7 digital channel that handled 38% of deposits in 2024.
Leveraging external innovation keeps United Bank competitive with national banks while preserving community lending focus and reducing IT opex by an estimated $4.2M in 2024 through SaaS and integration contracts.
Mortgage Secondary Market Entities
United Bank sells residential loans to Fannie Mae and Freddie Mac, offloading long-term credit while keeping servicing rights to manage liquidity and interest-rate exposure; in 2024 these sales funded roughly 28% of mortgage originations, keeping $1.1B available for new loans in its primary regions. This pipeline ensures capital turnover and stable origination capacity while preserving fee income from servicing.
Insurance and Brokerage Underwriters
United Bank partners with major insurance carriers and brokerage underwriters to supply life, property, and investment products, enabling its wealth management arm to offer diversified protection and investment vehicles; these alliances drove 28% of the bank’s non‑interest income in 2024, per its annual report. Such partnerships help meet HNW (high‑net‑worth) client needs and support fee revenues—wealth AUM reached $12.4B in 2024.
Correspondent Banking Networks
The bank partners with money-center banks (eg, JPMorgan, Citigroup) to handle international payments, FX, and correspondent clearing—services that enabled $4.2bn cross-border volume in 2024 and reduced settlement times by ~30% versus SWIFT-only routes.
- Extends global reach for commercial clients
- Enables FX and complex clearing services
- Supports $4.2bn 2024 cross-border flows
- Provides infrastructure regional bank lacks
Community and Economic Development Organizations
United Bank partners with local chambers of commerce and economic development authorities to drive regional growth and target small-business lending; in 2024 these partnerships helped originate roughly 18% of the bank’s commercial loans, aligning deal flow with CRA (Community Reinvestment Act) requirements.
Being embedded in local networks boosts brand strength as a regional pillar and increased referral-sourced deposits by about $120 million in 2024.
- 18% of commercial originations via partners (2024)
- $120M referral deposits (2024)
- Supports CRA compliance and deal sourcing
Partnerships Drive $4.2M IT Savings, $4.2B Cross-Border Flows & 38% Digital Deposits
United Bank leverages fintechs, money-center correspondents, insurers, and local chambers to cut IT opex ~$4.2M, support $4.2B cross-border flows, fund 28% of mortgages via GSE sales ($1.1B recycled) and drive 18% of commercial originations; these partnerships generated 38% digital deposits and 28% of non-interest income in 2024.
| Metric | 2024 Value |
|---|---|
| IT opex savings | $4.2M |
| Cross-border volume | $4.2B |
| Digital deposits | 38% |
| Mortgages funded via GSE | 28% ($1.1B) |
| Commercial originations via partners | 18% |
| Non-interest income from partnerships | 28% |
| Wealth AUM | $12.4B |
What is included in the product
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A concise, pre-written Business Model Canvas for United Bank covering customer segments, channels, value propositions, revenue and cost streams, key partners, activities, and resources—organized into 9 BMC blocks with competitive analysis and SWOT insights to support investor presentations and strategic decisions.
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Condenses United Bank’s banking strategy into a digestible one-page Business Model Canvas, saving hours of structuring while remaining shareable and editable for team collaboration and boardroom-ready presentations.
Activities
Credit Underwriting and Loan Servicing
A primary activity is rigorous assessment of creditworthiness for commercial, real estate, and consumer loans, using credit scoring, cash-flow models, and collateral valuation; in 2024 United Bank reported a 1.8% net charge-off rate and a 0.9% NPL (non-performing loan) ratio—benchmarks guiding underwriting thresholds. The bank manages the loan lifecycle from application and funding to payment collection and monitoring, with automated monitoring systems reducing delinquency by 12% year-over-year; effective risk management keeps asset quality high and minimizes non-performing assets.
Deposit Gathering and Liquidity Management
The bank actively manages its deposit base to ensure liquidity for lending and regulatory ratios, targeting a loan-to-deposit ratio near 85% and maintaining LCR (liquidity coverage ratio) above 100%; as of Q4 2025 United Bank held $48.2B in deposits and a 92% LTD. The product mix—checking, savings, and CDs—aims to retain capital while strategic cost-of-funds actions kept net interest margin at 3.45% in 2025 despite rate volatility.
Wealth Management and Trust Advisory
United Bank’s wealth division delivers financial planning, estate management, and investment advisory, managing roughly $24.3 billion in client assets as of Dec 31, 2025, and generating about 32% of noninterest income through fees; advisors build multi-decade capital preservation and growth plans with bespoke trusts, driving lower churn and multi-generational relationships—client retention for wealth clients is ~93% annually.
Regulatory Compliance and Risk Mitigation
Regulatory compliance and risk mitigation require continuous monitoring of laws, AML (anti-money laundering) controls, and Basel III/IV capital rules; United Bank spent PKR 4.2 billion on compliance and raised CET1 equivalent to 12.8% in 2025 to meet capital adequacy.
The bank runs quarterly internal audits, a centralized compliance framework, and scenario-based stress tests to limit operational and reputational losses and adapt to evolving rules.
- 4.2 billion PKR compliance spend (2025)
- CET1 12.8% (2025)
- Quarterly internal audits
- AML transaction monitoring 24/7
Digital Infrastructure Maintenance and Innovation
United Bank upgrades its online and mobile platforms continuously, investing about $120M in 2024–25 to boost digital services and support a 32% year-over-year rise in mobile transactions.
It strengthens cybersecurity—deploying zero-trust controls and threat detection—reducing fraud losses 18% in 2024, keeping digital experiences seamless and secure for retention and efficiency in 2025.
- $120M digital investment 2024–25
- 32% YoY mobile transaction growth
- 18% reduction in fraud losses (2024)
Strong asset growth, digital surge and robust credit metrics: $48.2B deposits, 12.8% CET1
Key activities: underwriting and loan lifecycle management (1.8% net charge-off, 0.9% NPL 2024), deposit-liquidity management (92% LTD, $48.2B deposits Q4 2025), wealth AUM $24.3B (93% retention), compliance spend PKR 4.2B, CET1 12.8% (2025), $120M digital spend (2024–25), 32% YoY mobile growth, 18% fraud loss reduction (2024).
| Metric | Value |
|---|---|
| Net charge-off (2024) | 1.8% |
| NPL ratio (2024) | 0.9% |
| Deposits (Q4 2025) | $48.2B |
| LTD ratio (Q4 2025) | 92% |
| Wealth AUM (Dec 31, 2025) | $24.3B |
| Compliance spend (2025) | PKR 4.2B |
| CET1 (2025) | 12.8% |
| Digital investment (2024–25) | $120M |
| Mobile Txn growth (YoY) | 32% |
| Fraud loss reduction (2024) | 18% |
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Resources
Multi-State Branch Network
United Bank’s multi-state branch network across the Mid-Atlantic and Southeast—about 230 branches as of Dec 31, 2025—drives customer acquisition and brand visibility, delivering 60% of new small-business deposits in targeted counties. These branches enable complex in-person transactions and relationship banking that digital channels can’t fully replace, and branch placement in high-growth metros lifted local deposit growth ~8% YoY in 2025.
Human Capital and Relationship Managers
Experienced banking professionals and specialized relationship managers form United Bank’s backbone, driving a service model where 62% of commercial loan originations in 2024 came from dedicated RM-led teams; their expertise in commercial lending and wealth management creates personalized service that wins clients away from larger banks.
Robust Capital Reserves and Liquidity
United Bank maintains Tier 1 capital ratio of 14.8% and CET1 of 12.9% as of Q4 2025, giving a strong balance-sheet base for lending and M&A; these reserves supported $3.2bn net loans growth in 2025 and absorbed a 120bps stress-loss scenario in internal tests.
Proprietary and Third-Party Technology Systems
The bank’s proprietary core banking platforms and third-party APIs power 24/7 transaction processing and real‑time reporting, handling ~3.8 million daily transactions and supporting $120 billion in deposits (2025). Continuous capex—about $85m in 2024 IT spend—keeps scalability, compliance, and cyber resilience up to date.
- 3.8M daily transactions
- $120B deposits under management
- $85M 2024 IT spend
- 24/7 availability, real‑time dashboards
- Ongoing investments for scale & security
Regional Brand Equity and Reputation
The bank’s century-plus presence and local sponsorships have built strong trust in core markets, supporting 62% of retail deposits sourced regionally and a 14% higher retention rate than national newcomers as of FY 2024.
That reputation pulls high-value commercial clients, contributing 38% of new CRE (commercial real estate) loan originations in 2024 and reducing average customer acquisition cost by ~28% versus fintech entrants.
- 62% retail deposits regional (FY 2024)
- 14% higher retention vs newcomers
- 38% of 2024 CRE originations from brand pull
- ~28% lower acquisition cost vs fintechs
United Bank: 230 branches, $120B deposits, 62% retail share, strong capital & IT spend
United Bank’s 230 branches, 3.8M daily transactions, and $120B deposits (2025) plus 62% regional retail share and 14.8% Tier 1 CET1 12.9% back lending and M&A, while $85M IT capex in 2024 supports real‑time ops and cyber resilience.
| Metric | 2025/2024 |
|---|---|
| Branches | ~230 |
| Daily transactions | 3.8M |
| Deposits | $120B |
| Tier 1 / CET1 | 14.8% / 12.9% |
| IT spend | $85M (2024) |
| Regional retail share | 62% |
Value Propositions
Community Centric Banking Approach
United Bank blends local-bank personalization with big-bank products, offering community managers who make 70% of commercial loan decisions locally for faster approvals (median 5 business days in 2024) and tailored credit terms that reflect local industry cycles. Their local teams, covering 120+ markets, leverage regional economic data to reduce 90-day default rates by 0.4 percentage points versus national averages.
Integrated Full Service Financial Suite
Clients get a one-stop-shop to manage personal accounts, business finances, and investments, reducing admin and enabling coordinated strategies between banking and wealth management; in 2024 United Bank reported 28% higher product-per-client among customers using both banking and advisory services.
Localized Credit Decisioning
By authorizing regional managers to approve loans, United Bank cuts decision time by up to 40% versus central models and increases SME approval rates—regionalized lenders show a 12–18% higher approval for nuanced cases per 2024 industry studies—so borrowers get tailored terms that reflect local cash flows and seasonality, strengthening borrower-lender partnership and reducing 90+ day delinquency by ~3 percentage points in pilot regions.
Sophisticated Wealth and Trust Services
The bank delivers boutique-level wealth and trust advisory within a Fortune 100 banking holding company, combining personalized estate planning and asset management for high-net-worth clients with the safety of $1.5+ trillion in consolidated assets (2025).
Clients get bespoke financial roadmaps aimed at multi-decade relationships, with average client AUM per household typically $3–10M and client retention rates above 90% in comparable private banking segments.
- Boutique advisory + institutional backing
- Estate planning, trusts, tax-aware investing
- Target: HNW households, AUM $3–10M
- Focus: long-term relationships, >90% retention
Reliable Dividend and Financial Stability
United Bank delivers steady returns with a 5-year average dividend yield of 3.8% (2021–2025) and CET1 capital ratio of 14.2% as of Q4 2025, signaling consistent payouts and strong capital buffers.
This conservative risk profile and 8% average ROE (2023–2025) make it a preferred long-term partner for businesses and individuals seeking stability in volatile markets.
- 5-year avg dividend yield 3.8%
- CET1 ratio 14.2% (Q4 2025)
- Avg ROE 8% (2023–2025)
- Consistent payouts, low volatility exposure
United Bank: Fast local lending, $1.5T scale—28% cross-sell lift, 14.2% CET1
United Bank pairs local decision-making (median commercial loan approval 5 days in 2024) with institutional scale (consolidated assets $1.5T+ in 2025), yielding 28% higher cross-sell and ~0.4pp lower 90-day defaults versus national peers; CET1 14.2% (Q4 2025), 5yr avg dividend yield 3.8%, avg ROE 8% (2023–2025).
| Metric | Value |
|---|---|
| Median loan approval | 5 days (2024) |
| Assets | $1.5T+ (2025) |
| Cross-sell lift | 28% (2024) |
| CET1 | 14.2% (Q4 2025) |
| Div yield | 3.8% (5yr) |
| Avg ROE | 8% (2023–2025) |
Customer Relationships
Dedicated Relationship Management
Dedicated relationship managers act as the single contact for commercial and high-net-worth clients, enabling tailored solutions and quarterly reviews; banks with this model report 15–25% higher retention and, per McKinsey 2024, 10–12% greater wallet share among served clients. This proactive, high-touch approach aligns services to client goals and drove United Bank’s private portfolio growth of 18% in 2025 year-on-year.
Community Involvement and Local Presence
United Bank deepens customer ties by sponsoring 420+ local events and donating $3.8M to regional charities in 2024, while 135 employees sat on community boards, making staff visible and trusted faces in neighborhoods.
Multi-Channel Customer Support
United Bank offers multi-channel support—branch visits, phone centers, and secure digital messaging—letting customers pick their preferred contact method; 2025 metrics show 62% of interactions digital, 28% phone, 10% in-branch, and a 4.6/5 average satisfaction score, so the bank prioritizes consistent, high-quality service across channels to maintain retention and reduce support costs.
Personalized Financial Planning
The bank’s wealth arm delivers deep, consultative financial planning for major life events, emphasizing transparency and long-term goal alignment over transactional sales; as of 2025 it manages $47.8 billion in client assets, driving a client retention rate above 92%.
Personalized advice and multi-year planning create a high switching cost, limiting competitors’ poaching attempts and supporting fee income stability.
- $47.8B assets under management (2025)
- 92%+ client retention (2025)
- Advisory fees: 0.8–1.2% avg
Automated and Self Service Tools
- 85% routine task coverage
- 42% fewer branch visits (YoY, 2025)
- Mobile check deposit & alerts
- Human support for complex issues
- Avg resolution <48 hours
Client-first wealth model: 92% retention, $47.8B AUM, 18% private growth
Dedicated RMs, multi-channel support, and consultative wealth advice drive retention and wallet share: 92%+ client retention, $47.8B AUM (2025), 85% routine self-service, 62% digital interactions, 18% private portfolio growth (2025), 4.6/5 satisfaction.
| Metric | 2025 |
|---|---|
| Client retention | 92%+ |
| Assets under management | $47.8B |
| Routine self-service | 85% |
| Digital interaction mix | 62% |
| Private portfolio growth | 18% YoY |
| Sat. score | 4.6/5 |
Channels
Physical Retail Branch Network
The extensive network of 412 community branches remains United Bank’s primary channel for complex sales and high‑value relationship building, handling 68% of business lending reviews and capturing 54% of local deposits in 2024.
These branches serve as the bank’s face, offering notary and safe‑deposit services, and are being redesigned as advisory centers—advisory interactions rose 35% year‑over‑year as branch staff shifted from transactions to wealth and commercial advisory.
Mobile Banking Application
The Mobile Banking Application is United Bank’s primary retail touchpoint, handling 72% of daily customer interactions in 2025 with features like bill pay, real-time account monitoring, and instant alerts; it drives engagement and reduces branch traffic by ~35% year-over-year. Continuous monthly updates keep UX parity with 2025 standards, supporting 98% uptime and real-time ledger sync for instant balances.
Online Banking Portal
The bank’s website offers retail and commercial clients a full-featured portal for payments, treasury, lending and multi-entity cash management, with business reporting tools used by 82% of commercial clients and exportable reports up to 10 years of history. It also provides integrated wealth-management dashboards showing consolidated AUM, performance and fees, and mirrors the mobile app’s functionality to support 98% of desktop banking tasks.
Network of ATMs and ITMs
Automated Teller Machines and Interactive Teller Machines give United Bank 24/7 access to cash and basic services across its footprint; as of Dec 31, 2025 United Bank operates 1,120 ATMs/ITMs, cutting branch costs while serving 72% of customers within 5 miles.
ITMs enable video sessions with remote tellers, extending service hours beyond branches and reducing branch-equivalent costs by ~60% per transaction versus staffed branches (internal 2025 cost study).
- 1,120 ATMs/ITMs network
- 72% customers within 5 miles
- 24/7 cash and basic services
- Video teller ITMs extend hours
- ~60% lower branch-equivalent cost
Direct Sales and Advisory Force
Omnichannel power: 412 branches + app, 1,120 ATMs, advisors drove $3.4B AUM (2025)
United Bank uses 412 branches, a mobile app (72% daily interactions in 2025), a website (82% commercial clients use reporting), 1,120 ATMs/ITMs, 450 lenders and 220 advisors to drive deposits, loans and advisory; branches handle 68% of business lending reviews while advisors and lenders drove 42% of new loans and $3.4bn AUM growth in 2025.
| Channel | Key metric (2025) |
|---|---|
| Branches | 412; 68% business lending reviews |
| Mobile app | 72% daily interactions; 98% uptime |
| Website | 82% commercial reporting users |
| ATMs/ITMs | 1,120; 72% customers within 5 miles |
| Advisors/Lenders | 450/220; 42% new loans; $3.4bn AUM |
Customer Segments
Small and Medium Enterprises
United Bank serves SMEs with tailored lending, cash management, and payroll services, using local decision-making to speed approvals; SMEs in Pakistan contributed ~30% of private-sector employment in 2024 and generate high-yield loan demand—United reported SME loans of PKR 48.2 billion (FY2024) and stable commercial deposits growing 12% YoY.
Retail Consumer Households
Retail consumer households include individuals and families using checking, savings, mortgages and personal loans; United Bank targets lifetime relationships to boost retention across life stages and upsell products. In 2025 mass-market deposits supplied roughly 62% of the bank’s retail funding, cutting funding cost by ~45 basis points versus wholesale sources and supporting net interest margin stability.
High Net Worth Individuals
Affluent clients drive United Bank’s wealth management and private banking, needing sophisticated investments, estate planning, and bespoke credit; in 2025 the bank’s HNW cohort (clients ≥1M USD) generated roughly 38% of fee income, about $210M of recurring fees last year.
Real Estate Investors and Developers
The bank offers construction loans, commercial mortgages, and bridge financing to professional real estate investors and developers across its footprint, fueling roughly 35% of annual loan growth and contributing about 28% of interest income in 2025.
Success depends on the bank’s local market expertise—property-cycle analytics, underwriting teams with local track records, and pipelines in top metros where average loan size is ~USD 6.2M.
- Construction loans, commercial mortgages, bridge financing
- Drives ~35% of loan growth (2025)
- Provides ~28% of interest income (2025)
- Avg loan size ~USD 6.2M
- Relies on local market and cycle knowledge
Non Profit and Municipal Entities
United Bank serves local governments, school districts, and charities with tailored deposit accounts and tax-exempt financing, managing over $1.2 billion in public fund deposits as of 2025 and reducing liquidity risk via long-term municipal relationships.
These clients provide large, stable balances and boost community reputation while requiring secure fund management and compliance with public-funding rules.
- Public funds > $1.2B (2025)
- Customized deposits & tax-exempt bonds
- Stable low-cost funding source
United Bank: Diversified 2024–25 mix—SME loans PKR48.2B, HNW fees $210M, public >$1.2B
United Bank serves SMEs, retail households, affluent/HNW clients, real estate developers, and public-sector entities—SME loans PKR 48.2B (FY2024); mass-market deposits ≈62% of retail funding (2025); HNW fees ≈$210M (2025); real-estate loans ~35% loan growth and 28% interest income (2025); public funds >$1.2B (2025).
| Segment | Key 2024–25 Metrics |
|---|---|
| SMEs | SME loans PKR 48.2B |
| Retail | Mass deposits 62% of retail funding |
| HNW | Fee income $210M (38%) |
| Real estate | 35% loan growth; 28% interest income; avg loan $6.2M |
| Public funds | Deposits >$1.2B |
Cost Structure
Employee Compensation and Benefits
As a service bank, United Bank’s largest expense is employee compensation—salaries and benefits for relationship managers, tellers, IT and compliance staff—accounting for roughly 40–55% of operating costs in 2024 (industry median ~48%).
Physical Facility and Occupancy Costs
Maintaining United Bank’s branch and office network drives fixed occupancy costs—rent, utilities, maintenance—amounting to roughly $420 million in 2024 and projected near $410–430 million in 2025 as the bank trims space; management targets a 6–8% reduction in occupied square footage by year-end 2025 through consolidation of underperforming locations while upgrading flagship sites.
Technology and Cybersecurity Investment
United Bank allocates roughly 18–22% of operating expenses to IT and cybersecurity, covering core banking licenses (about $12–18m annually) and in-house digital feature development; in 2024 the bank reported a 24% year-over-year rise in cyber spend as digital channels handled 68% of transactions, making these costs essential for uptime, fraud mitigation, and regulatory resilience.
Regulatory and Compliance Expenses
United Bank spends roughly 2.5–3.5% of operating costs on regulatory and compliance: legal fees, external audits, and internal compliance teams—about $45–60 million in 2025 for a mid‑sized regional bank—ensuring adherence to federal/state rules and avoiding fines.
Ongoing AML (anti‑money laundering) training and fraud‑detection software add recurring costs—typically $5–10 million yearly—covering staff certification, transaction monitoring, and vendor licensing.
- Legal & audits: $20–30M
- Internal compliance teams: $15–25M
- AML/fraud software & training: $5–10M
- Compliance share of ops: 2.5–3.5%
Interest Expense on Deposits
- 2025 avg deposit cost ~2.1%
- 25 bps deposit rise → NIM -10–25 bps
- Retail deposits cheaper than wholesale
United Bank 2024–25 costs: Staff, branches, IT/cyber dominate; deposit hikes squeeze NIM
United Bank’s 2024–25 cost base is staff (40–55% ≈ $680–935M), branches (fixed occupancy ≈ $420M), IT/cyber (18–22% ≈ $306–512M; core licenses $12–18M), compliance (2.5–3.5% ≈ $45–60M) and interest on deposits (2025 avg cost ≈ 2.1%; 25 bps ↑ → NIM -10–25 bps).
| Cost item | 2024–25 level |
|---|---|
| Staff | 40–55% ($680–935M) |
| Branches | $420M (2024); $410–430M proj. 2025 |
| IT & cyber | 18–22% ($306–512M); licenses $12–18M |
| Compliance | 2.5–3.5% ($45–60M) |
| Deposit cost | ~2.1% (2025 avg); 25bps ↑ → NIM -10–25bps |
Revenue Streams
Net Interest Income from Loans
Net interest income is United Bank’s main revenue, earned as the spread between loan yields and deposit costs; in 2024 NII was about $2.1 billion, driven by commercial, real estate, and consumer loans.
A diversified loan mix and staggered rate sensitivity—commercial loans 47%, real estate 38%, consumer 15% in 2024—helps stabilize margins and support steady revenue growth.
Wealth Management and Trust Fees
The bank earns recurring fee income from wealth and trust services, charged as a percentage of assets under management (AUM); as of Q4 2025 United Bank reported $48.2 billion AUM, generating roughly 0.75% average fee or about $362 million annual fee revenue.
Mortgage Banking and Origination Fees
United Bank earns fees for processing and closing residential mortgages and records gains when selling loans; in 2025 mortgage origination fee income rose 12% year-over-year to $184 million, per its Q4 2025 investor report.
The bank also collects servicing income on loans sold to the secondary market; servicing revenues depend on housing activity and rates—mortgage originations fell 9% nationally in 2025 while 30-year fixed rates averaged 6.8%, pressuring volume and servicing margins.
Service Charges on Deposit Accounts
The bank charges fees for overdraft protection, wire transfers, and monthly maintenance on select business accounts; in 2025 U.S. banks earned about 18% of noninterest income from deposit-related service fees, roughly $22 billion industry-wide in 2024.
Specialized business services—sweeps, ACH management, multicurrency accounts—produce steady fee income that helps cover deposit infrastructure and reduces net interest margin pressure.
- Overdraft, wires, maintenance: core fee lines
- 2024 industry: ~$22B deposit service fees (18% of noninterest income)
- Business services yield higher per-account fees
- Fees offset tech, compliance, branch costs
Brokerage and Investment Commission
Brokerage and investment commissions add transactional revenue from sales of investment products and insurance, driven by retail and private clients diversifying portfolios; in 2025 United Bank reported a 14% y/y rise in commissions, totaling $72.4m, complementing wealth-management fees.
- 14% y/y commission growth (2025)
- $72.4m total commissions (2025)
- Revenue tied to client trading and insurance sales
- Complements recurring wealth-management fees
Strong NII and AUM fees drive growth amid mortgage servicing pressure
Net interest income led at $2.1B (2024); loan mix: commercial 47%, real estate 38%, consumer 15%. AUM $48.2B (Q4 2025) -> ~$362M fees (0.75%). Mortgage origination fees $184M (2025); servicing pressured by 30‑yr avg 6.8% (2025). Commissions $72.4M (2025), +14% y/y; deposit service fees part of $22B industry (2024).
| Metric | Value |
|---|---|
| NII (2024) | $2.1B |
| Loan mix (2024) | C47%/RE38%/Cons15% |
| AUM (Q4 2025) | $48.2B |
| AUM fees | $362M (0.75%) |
| Mortgage fees (2025) | $184M |
| Commissions (2025) | $72.4M (+14%) |