| Metric | Union State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +3.0% | +3.0 pts |
| Deposit growth (YoY) | +5.7% | +2.5% | +3.2 pts |
| Loan growth (YoY) | +13.0% | +2.6% | +10.4 pts |
| ROA | 2.91% | 0.99% | +1.9 pts |
| ROE | 32.6% | 8.1% | +24.5 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $73.8M | $65.2M | $56.5M | $7.0M | $1.1M | 2.91% | 4.94% | 0.14% |
| Q1 2026 | $73.9M | $65.8M | $52.6M | $6.3M | $308K | 1.70% | 4.94% | 1.19% |
| Q4 2025 | $70.9M | $62.9M | $53.2M | $6.2M | $1.1M | 1.51% | 5.04% | 0.17% |
| Q3 2025 | $68.9M | $60.9M | $50.4M | $6.1M | $896K | 1.69% | 5.01% | 0.36% |
| Q2 2025 | $69.6M | $61.7M | $50.0M | $5.6M | $621K | 1.74% | 4.97% | 0.39% |
| Q1 2025 | $71.9M | $64.0M | $49.7M | $5.5M | $303K | 1.67% | 4.87% | 0.18% |
| Q4 2024 | $73.0M | $65.1M | $49.2M | $5.3M | $1.0M | 1.49% | 5.05% | 0.17% |
| Q3 2024 | $68.5M | $59.7M | $48.7M | $5.6M | $841K | 1.66% | 5.07% | 0.18% |
Loan mix (Q2 2026): real estate $34.9M · commercial $8.2M · consumer $2.8M · securities $13.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Union State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.91% | 0.99% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 32.6% | 8.1% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.7% | 70.8% | 17th |
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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