| Metric | Union State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +4.4% | -6.0 pts |
| Deposit growth (YoY) | -7.4% | +4.0% | -11.3 pts |
| Loan growth (YoY) | +20.9% | +5.6% | +15.3 pts |
| ROA | 0.43% | 1.24% | -0.8 pts |
| ROE | 8.0% | 11.9% | -3.9 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $212.5M | $191.7M | $98.1M | $11.8M | $451K | 0.43% | 3.59% | 1.04% |
| Q1 2026 | $205.4M | $189.2M | $89.3M | $11.2M | $239K | 0.45% | 3.54% | 0.56% |
| Q4 2025 | $216.4M | $204.7M | $84.1M | $10.8M | $1.6M | 0.73% | 3.09% | 0.25% |
| Q3 2025 | $212.2M | $202.0M | $82.7M | $9.1M | $261K | 0.16% | 2.99% | 0.20% |
| Q2 2025 | $216.0M | $206.9M | $81.2M | $8.0M | $226K | 0.21% | 2.86% | 0.19% |
| Q1 2025 | $218.3M | $209.7M | $77.0M | $7.6M | $53K | 0.10% | 2.72% | 0.22% |
| Q4 2024 | $225.9M | $218.2M | $75.3M | $6.7M | $-179K | -0.08% | 2.92% | 0.07% |
| Q3 2024 | $211.9M | $203.5M | $78.5M | $7.4M | $-297K | -0.18% | 2.96% | 0.18% |
Loan mix (Q2 2026): real estate $87.2M · commercial $8.5M · consumer $2.2M · securities $67.7M
| Ratio | Union State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.3% | 62.9% | 92nd |
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.
8 branches in 3 counties across 1 state (+0 vs 2025) · $191.7M branch deposits. Biggest market: St. Clair, AL, ranked 6th with 5.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Clair, AL | 4 | $96.1M | 5.18% | 6th |
| Cherokee, AL | 2 | $51.4M | 9.26% | 5th |
| Jefferson, AL | 2 | $44.2M | 0.09% | 43rd |
Alabama: 111th with 0.11% · Birmingham metro: 41st, 0.23% ·
Branch count: 2022 12 · 2023 10 · 2024 9 · 2025 8 · 2026 8