| Metric | Union State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.4% | -0.3 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.6 pts |
| Loan growth (YoY) | +7.3% | +5.6% | +1.7 pts |
| ROA | 1.34% | 1.24% | +0.1 pts |
| ROE | 13.6% | 11.9% | +1.7 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $117.6M | $97.4M | $77.5M | $12.3M | $811K | 1.34% | 3.80% | 0.09% |
| Q1 2026 | $119.1M | $99.0M | $73.9M | $11.9M | $431K | 1.41% | 3.71% | 0.09% |
| Q4 2025 | $125.3M | $104.0M | $76.1M | $11.6M | $1.0M | 0.89% | 3.45% | 0.10% |
| Q3 2025 | $114.3M | $93.7M | $72.8M | $11.1M | $676K | 0.79% | 3.40% | 0.16% |
| Q2 2025 | $113.0M | $93.2M | $72.3M | $10.4M | $435K | 0.76% | 3.31% | 0.21% |
| Q1 2025 | $114.2M | $94.7M | $69.4M | $10.0M | $205K | 0.72% | 3.21% | 0.00% |
| Q4 2024 | $114.9M | $96.1M | $71.4M | $9.4M | $541K | 0.48% | 3.09% | 0.03% |
| Q3 2024 | $111.4M | $92.3M | $71.5M | $9.8M | $313K | 0.37% | 3.00% | 0.00% |
Loan mix (Q2 2026): real estate $59.8M · commercial $8.7M · consumer $3.2M · securities $30.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Union State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 11.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 62.9% | 35th |
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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