| Metric | Union State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.9% | +1.2 pts |
| Deposit growth (YoY) | +8.6% | +4.3% | +4.3 pts |
| Loan growth (YoY) | +1.2% | +5.3% | -4.1 pts |
| ROA | 1.27% | 1.28% | -0.0 pts |
| ROE | 11.2% | 12.4% | -1.3 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $719.1M | $633.3M | $433.0M | $77.0M | $4.3M | 1.27% | 4.30% | 0.12% |
| Q1 2026 | $661.9M | $576.3M | $422.2M | $76.5M | $2.0M | 1.19% | 4.36% | 0.18% |
| Q4 2025 | $655.2M | $560.5M | $420.6M | $77.1M | $8.8M | 1.32% | 4.15% | 0.15% |
| Q3 2025 | $669.7M | $576.6M | $431.0M | $74.2M | $6.4M | 1.28% | 4.05% | 0.12% |
| Q2 2025 | $678.0M | $582.9M | $427.8M | $71.2M | $4.2M | 1.26% | 3.97% | 0.03% |
| Q1 2025 | $676.0M | $583.1M | $424.7M | $69.2M | $2.2M | 1.30% | 3.89% | 0.04% |
| Q4 2024 | $661.2M | $553.5M | $418.6M | $66.2M | $5.8M | 0.85% | 3.46% | 0.01% |
| Q3 2024 | $702.8M | $553.4M | $419.8M | $68.3M | $3.9M | 0.76% | 3.35% | 0.07% |
Loan mix (Q2 2026): real estate $348.3M · commercial $53.2M · consumer $9.8M · securities $178.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Union State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.28% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 12.4% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.0% | 61.2% | 71st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Union State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Union State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Union State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Union State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Union State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
12 branches in 4 counties across 2 states (+0 vs 2024) · $582.9M branch deposits. Biggest market: Cowley, KS, ranked 1st with 32.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cowley, KS | 7 | $338.6M | 32.50% | 1st |
| Harvey, KS | 2 | $150.1M | 14.70% | 2nd |
| Sedgwick, KS | 2 | $68.1M | 0.30% | 36th |
| 1 more county with Pro → | ||||
Kansas: 46th with 0.49% · Oklahoma: 227th with 0.02% · Wichita metro: 20th, 0.83% ·
Branch count: 2022 13 · 2023 12 · 2024 12 · 2025 12