Union State Bank
West Salem, WI · Cert 14560 · Peer group: banks under $1B in assets in WI (n=109-112)
State charter, non-member · FDIC · 2 branches
Q2 2026
$117.6MAssets
$78.2MLoans
$97.4MDeposits
$12.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 69% of banks under $1B in assets in WI (rank 35 of 112).
- Widest gap: net charge-offs / loans trails 74% of banks under $1B in assets in WI (rank 83 of 109).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.38%
Rank 36 of 112
Net Interest Margin
3.59%
Rank 56 of 112
Efficiency Ratio
57.94%
Rank 39 of 112
Equity / Assets
10.48%
Rank 60 of 112
Non-interest income vs. expense
Unfavorable gap of $2.3M · efficiency ratio beats 66% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.38% | 0.85% | 1.17% | 1.51% | Beats 68% | 36 / 112 | |
| Return on Equity | 13.15% | 7.87% | 10.91% | 13.85% | Beats 69% | 35 / 112 | |
| Net Interest Margin | 3.59% | 3.19% | 3.59% | 3.89% | Beats 50% | 56 / 112 | |
| Efficiency Ratio | 57.94% | 54.87% | 62.73% | 72.61% | Beats 66% | 39 / 112 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.03% | 0.22% | 0.91% | Beats 56% | 49 / 109 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.01% | Beats 26% | 83 / 109 | |
| Capital |
| Tier 1 Capital Ratio | 12.15% | 11.22% | 12.95% | 15.76% | Beats 36% | 72 / 112 | |
| Total Risk-Based Capital Ratio | 12.15% | 11.57% | 13.59% | 16.73% | Beats 30% | 78 / 112 | |
| Equity / Assets | 10.48% | 9.17% | 10.74% | 13.13% | Beats 46% | 60 / 112 | |
| Liquidity & Funding |
| Loans / Deposits | 80.33% | 75.89% | 86.36% | 98.49% | 37th pctl | 70 / 111 | |
| Loans / Assets | 66.49% | 64.03% | 71.52% | 78.98% | 31st pctl | 77 / 112 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |