Union Bank Company, The
Columbus Grove, OH · Cert 12969 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · United Bancshares Inc.
State charter, non-member · FDIC · 15 branches
Q2 2026
$1.4BAssets
$863.5MLoans
$1.2BDeposits
$151.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 84% of banks $1B-$10B in assets operating in a single state (rank 42 of 258).
- Widest gap: return on equity trails 84% of banks $1B-$10B in assets operating in a single state (rank 216 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.81%
Rank 212 of 258
Net Interest Margin
3.53%
Rank 119 of 258
Efficiency Ratio
60.72%
Rank 133 of 257
Equity / Assets
10.49%
Rank 118 of 258
Non-interest income vs. expense
Unfavorable gap of $25.7M · efficiency ratio beats 49% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.93% | 1.23% | 1.54% | Beats 18% | 212 / 258 | | |
| Return on Equity | 7.76% | 9.26% | 11.84% | 14.74% | Beats 16% | 216 / 258 | | |
| Net Interest Margin | 3.53% | 3.16% | 3.49% | 3.88% | Beats 54% | 119 / 258 | | |
| Efficiency Ratio | 60.72% | 51.71% | 60.30% | 69.65% | Beats 49% | 133 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.19% | 0.46% | 0.90% | Beats 84% | 42 / 258 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 63% | 98 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 15.13% | 11.41% | 12.98% | 15.12% | Beats 76% | 63 / 258 | | |
| Total Risk-Based Capital Ratio | 16.12% | 12.10% | 13.91% | 16.08% | Beats 75% | 64 / 258 | | |
| Equity / Assets | 10.49% | 9.09% | 10.24% | 11.72% | Beats 54% | 118 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.46% | 73.24% | 86.34% | 95.95% | 23rd pctl | 199 / 258 | | |
| Loans / Assets | 59.80% | 63.01% | 72.27% | 78.40% | 20th pctl | 207 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |