United Bank of Union
Total assets
$577.5M
▲ +2.7% YoY
Deposits
$491.1M
▲ +4.3% YoY
Loans
$475.9M
▲ +5.4% YoY
Offices
3
CARDINAL BCORP II INC
ROA (annualized)
1.46%
peers 1.28%
ROE (annualized)
17.79%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | United Bank of Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.9% | -2.2 pts |
| Deposit growth (YoY) | +4.3% | +4.3% | -0.0 pts |
| Loan growth (YoY) | +5.5% | +5.3% | +0.1 pts |
| ROA | 1.46% | 1.28% | +0.2 pts |
| ROE | 17.8% | 12.4% | +5.4 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
Profile
- Established
- 1934
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CARDINAL BCORP II INC
- Specialization
- Commercial Lending Specialization
- Address
- 15 E Main St, Union, MO, 63084
- County
- Franklin
- Metro area
- St. Louis, MO-IL
- Offices
- 3
- FDIC cert #
- 14334
- RSSD ID
- 562058
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $577.5M | $491.1M | $475.9M | $48.1M | $4.2M | 1.46% | 4.09% | 1.97% |
| Q1 2026 | $583.3M | $497.1M | $477.6M | $46.9M | $1.9M | 1.35% | 4.01% | 2.04% |
| Q4 2025 | $561.9M | $462.6M | $452.3M | $46.6M | $7.8M | 1.37% | 3.99% | 2.08% |
| Q3 2025 | $575.4M | $483.5M | $462.1M | $45.7M | $5.7M | 1.34% | 3.96% | 2.22% |
| Q2 2025 | $562.3M | $470.9M | $451.3M | $42.7M | $3.6M | 1.26% | 3.93% | 2.29% |
| Q1 2025 | $566.7M | $486.2M | $455.7M | $42.0M | $1.7M | 1.18% | 3.88% | 2.25% |
| Q4 2024 | $570.5M | $470.3M | $452.7M | $40.3M | $4.0M | 0.70% | 3.64% | 2.12% |
| Q3 2024 | $583.6M | $480.6M | $461.2M | $43.6M | $4.4M | 1.02% | 3.61% | 2.54% |
Loan mix (Q2 2026): real estate $389.4M · commercial $89.5M · consumer $3.5M · securities $57.4M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | United Bank of Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.28% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 17.8% | 12.4% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.89% | 60th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 61.2% | 51th | |
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% |
Balance sheet
| Ratio | United Bank of Union | 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% |
Capital
| Ratio | United Bank of Union | 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% |
Credit quality
| Ratio | United Bank of Union | 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% |
Franchise
| Ratio | United Bank of Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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