| Metric | Union State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.4% | -0.8 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.5 pts |
| Loan growth (YoY) | -5.4% | +5.6% | -11.0 pts |
| ROA | 0.87% | 1.24% | -0.4 pts |
| ROE | 10.4% | 11.9% | -1.5 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $206.2M | $175.2M | $114.1M | $17.4M | $883K | 0.87% | 3.28% | 0.00% |
| Q1 2026 | $199.1M | $168.4M | $113.7M | $17.0M | $452K | 0.90% | 3.31% | 0.00% |
| Q4 2025 | $202.3M | $170.2M | $117.6M | $16.8M | $1.5M | 0.77% | 3.10% | 0.04% |
| Q3 2025 | $198.1M | $167.6M | $118.3M | $16.3M | $1.0M | 0.70% | 3.05% | 0.04% |
| Q2 2025 | $199.1M | $167.7M | $120.7M | $15.5M | $667K | 0.68% | 2.97% | 0.03% |
| Q1 2025 | $196.8M | $165.1M | $114.6M | $14.8M | $295K | 0.61% | 2.89% | 0.00% |
| Q4 2024 | $192.1M | $160.0M | $118.3M | $13.8M | $880K | 0.46% | 2.67% | 0.06% |
| Q3 2024 | $192.0M | $153.1M | $117.2M | $16.6M | $687K | 0.48% | 2.62% | 0.17% |
Loan mix (Q2 2026): real estate $82.1M · commercial $9.9M · consumer $5.3M · securities $71.3M
| Ratio | Union State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.24% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 11.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.8% | 62.9% | 52nd |
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.
4 branches in 2 counties across 1 state (+0 vs 2025) · $175.2M branch deposits. Biggest market: Clay, KS, ranked 1st with 40.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clay, KS | 2 | $127.2M | 40.81% | 1st |
| Washington, KS | 2 | $48.0M | 14.32% | 4th |
Kansas: 127th with 0.15% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (31 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).