| Metric | Union State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.2 pts |
| Deposit growth (YoY) | +4.0% | +4.0% | +0.1 pts |
| Loan growth (YoY) | +11.2% | +5.6% | +5.7 pts |
| ROA | 1.41% | 1.24% | +0.2 pts |
| ROE | 10.2% | 11.9% | -1.6 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $168.7M | $142.5M | $104.8M | $23.3M | $1.2M | 1.41% | 3.84% | 0.33% |
| Q1 2026 | $168.8M | $142.8M | $100.9M | $23.1M | $472K | 1.13% | 3.78% | 0.10% |
| Q4 2025 | $164.6M | $138.8M | $99.2M | $22.9M | $1.9M | 1.15% | 3.95% | 0.30% |
| Q3 2025 | $161.9M | $134.0M | $96.9M | $22.6M | $1.3M | 1.06% | 3.92% | 0.09% |
| Q2 2025 | $161.4M | $137.0M | $94.2M | $21.5M | $812K | 1.01% | 3.96% | 0.12% |
| Q1 2025 | $161.2M | $137.3M | $92.5M | $21.6M | $420K | 1.04% | 4.03% | 0.15% |
| Q4 2024 | $162.1M | $138.5M | $89.8M | $21.3M | $1.4M | 1.08% | 4.09% | 0.08% |
| Q3 2024 | $128.5M | $109.6M | $74.3M | $16.8M | $763K | 0.85% | 3.67% | 0.19% |
Loan mix (Q2 2026): real estate $74.6M · commercial $7.8M · consumer $2.5M · securities $41.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Union State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.24% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 11.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.6% | 62.9% | 21th |
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 |
|---|---|---|---|---|
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% |
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