Union Bank
Mena, AR · Cert 14597 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Union Bankshares Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
$710.2MAssets
$486.6MLoans
$625.9MDeposits
$79.9MEquity
Executive Summary
- Strongest standing: return on assets outperforms 92% of banks under $1B in assets operating in a single state (rank 63 of 746).
- Widest gap: net charge-offs / loans trails 74% of banks under $1B in assets operating in a single state (rank 552 of 743).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.88%
Rank 63 of 746
Net Interest Margin
4.43%
Rank 112 of 746
Efficiency Ratio
51.27%
Rank 124 of 746
Equity / Assets
11.25%
Rank 299 of 746
Non-interest income vs. expense
Unfavorable gap of $13.4M · efficiency ratio beats 84% of banks under $1B 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 | 1.88% | 0.72% | 1.06% | 1.45% | Beats 92% | 63 / 746 | | |
| Return on Equity | 16.70% | 6.74% | 10.51% | 13.63% | Beats 91% | 70 / 746 | | |
| Net Interest Margin | 4.43% | 3.17% | 3.68% | 4.16% | Beats 85% | 112 / 746 | | |
| Efficiency Ratio | 51.27% | 55.74% | 64.58% | 75.47% | Beats 84% | 124 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.09% | 0.42% | 1.07% | Beats 62% | 284 / 743 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 26% | 552 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 19.50% | 11.55% | 13.75% | 17.60% | Beats 81% | 139 / 746 | | |
| Total Risk-Based Capital Ratio | 20.76% | 11.71% | 14.33% | 18.43% | Beats 83% | 130 / 746 | | |
| Equity / Assets | 11.25% | 8.90% | 10.51% | 13.06% | Beats 60% | 299 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.75% | 61.31% | 78.27% | 90.78% | 49th pctl | 378 / 746 | | |
| Loans / Assets | 68.51% | 53.60% | 66.97% | 76.08% | 53rd pctl | 347 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |