| Metric | Union State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.6% | +3.0% | +8.6 pts |
| Deposit growth (YoY) | +11.8% | +2.5% | +9.4 pts |
| Loan growth (YoY) | +14.7% | +2.6% | +12.1 pts |
| ROA | 1.46% | 0.99% | +0.5 pts |
| ROE | 12.6% | 8.1% | +4.5 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.3M | $39.1M | $18.6M | $5.1M | $315K | 1.46% | 3.51% | 0.00% |
| Q1 2026 | $43.2M | $38.0M | $18.4M | $5.0M | $141K | 1.33% | 3.52% | 0.00% |
| Q4 2025 | $41.8M | $36.8M | $19.5M | $4.9M | $484K | 1.21% | 3.43% | 0.00% |
| Q3 2025 | $39.9M | $34.8M | $16.2M | $4.9M | $413K | 1.39% | 3.45% | 0.00% |
| Q2 2025 | $39.6M | $34.9M | $16.2M | $4.6M | $279K | 1.41% | 3.48% | 0.00% |
| Q1 2025 | $40.5M | $35.9M | $16.1M | $4.4M | $131K | 1.33% | 3.47% | 0.00% |
| Q4 2024 | $38.4M | $34.2M | $16.4M | $4.1M | $402K | 1.07% | 3.30% | 0.00% |
| Q3 2024 | $38.5M | $34.0M | $14.0M | $4.4M | $288K | 1.03% | 3.26% | 0.00% |
Loan mix (Q2 2026): real estate $5.3M · commercial $2.6M · consumer $1.5M · securities $12.6M
| Ratio | Union State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.99% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 8.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.1% | 70.8% | 16th |
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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