Union State Bank
West Salem, WI · Cert 14560 · Peer group: banks under $1B in assets in WI (n=110-113)
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 113).
- Widest gap: net charge-offs / loans trails 75% of banks under $1B in assets in WI (rank 84 of 110).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.38%
Rank 37 of 113
Net Interest Margin
3.59%
Rank 57 of 113
Efficiency Ratio
57.94%
Rank 40 of 113
Equity / Assets
10.48%
Rank 61 of 113
Non-interest income vs. expense
Unfavorable gap of $2.3M · efficiency ratio beats 65% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.38% | 0.85% | 1.17% | 1.51% | Beats 67% | 37 / 113 | | |
| Return on Equity | 13.15% | 7.70% | 10.77% | 13.67% | Beats 69% | 35 / 113 | | |
| Net Interest Margin | 3.59% | 3.19% | 3.59% | 3.89% | Beats 50% | 57 / 113 | | |
| Efficiency Ratio | 57.94% | 54.61% | 62.43% | 71.88% | Beats 65% | 40 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.03% | 0.24% | 0.91% | Beats 56% | 49 / 110 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.01% | Beats 25% | 84 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 12.15% | 11.22% | 12.95% | 15.76% | Beats 35% | 73 / 113 | | |
| Total Risk-Based Capital Ratio | 12.15% | 11.57% | 13.59% | 16.73% | Beats 30% | 79 / 113 | | |
| Equity / Assets | 10.48% | 9.17% | 10.74% | 13.13% | Beats 46% | 61 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.33% | 76.54% | 86.37% | 98.93% | 37th pctl | 71 / 112 | | |
| Loans / Assets | 66.49% | 63.07% | 71.33% | 78.84% | 32nd pctl | 77 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |