Union County Savings Bank Elizabeth, NJ · Cert 12013 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=36)
SI · FDIC · 4 branches
Q2 2026
$1.5B Assets
$308.6M Loans
$1.3B Deposits
$-23485K Equity
Executive Summary Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 11 of 36). Widest gap: equity / assets trails 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 36 of 36). Overall: at or above the peer median on 3 of 7 directional measures. Return on Assets
-1.46%
Rank 36 of 36
Net Interest Margin
-0.32%
Rank 36 of 36
Equity / Assets
-1.59%
Rank 36 of 36
Non-interest income vs. expense $0.2M $14.6M INCOME EXPENSE Unfavorable gap of $14.5M Metric Your Bank Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets -1.46% 0.65% 1.00% 1.72% Beats 0% 36 / 36 Return on Equity n/a Not reported for this institution Net Interest Margin -0.32% 2.66% 3.13% 3.63% Beats 0% 36 / 36 Efficiency Ratio n/a Not reported for this institution Asset Quality Nonperforming Loans / Loans 0.91% 0.46% 0.84% 1.59% Beats 47% 20 / 36 Net Charge-Offs / Loans 0.00% n/a 0.03% 0.14% Beats 100% 11 / 36 Capital Tier 1 Capital Ratio 20.79% 13.13% 14.78% 18.34% Beats 83% 6 / 36 Total Risk-Based Capital Ratio 21.13% 13.73% 15.96% 19.27% Beats 83% 6 / 36 Equity / Assets -1.59% 9.80% 11.58% 14.82% Beats 0% 36 / 36 Liquidity & Funding Loans / Deposits 22.86% 81.12% 95.13% 103.24% 6th pctl 34 / 36 Loans / Assets 20.87% 67.44% 76.31% 84.79% 8th pctl 33 / 36 Brokered Deposits / Deposits n/a Not reported for this institution
Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11