No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $136.5M | $125.3M | $85.9M | $10.3M | $802K | 1.15% | 3.79% | 0.00% |
| Q1 2026 | $146.2M | $135.1M | $83.7M | $10.2M | $386K | 1.10% | 3.59% | 0.00% |
| Q4 2025 | $135.7M | $124.9M | $85.0M | $9.9M | $1.2M | 0.93% | 3.61% | 0.00% |
| Q3 2025 | $126.7M | $116.2M | $86.2M | $9.6M | $932K | 0.95% | 3.54% | 0.00% |
| Q2 2025 | $126.1M | $116.2M | $85.4M | $9.1M | $517K | 0.78% | 3.41% | 0.00% |
| Q1 2025 | $138.4M | $128.6M | $83.8M | $8.9M | $237K | 0.70% | 3.13% | 0.00% |
| Q4 2024 | $131.1M | $121.6M | $84.5M | $8.4M | $707K | 0.52% | 2.88% | 0.00% |
| Q3 2024 | $146.3M | $136.4M | $83.4M | $8.7M | $551K | 0.53% | 2.75% | 0.00% |
Loan mix (Q2 2026): real estate $73.5M · commercial $7.1M · consumer $1.2M · securities $24.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Union State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.24% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 11.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 62.9% | 70th |
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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