Union Bank
Mena, AR · Cert 14597 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · 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 91% of banks under $1B in assets operating in a single state (rank 66 of 752).
- Widest gap: net charge-offs / loans trails 73% of banks under $1B in assets operating in a single state (rank 550 of 748).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.88%
Rank 66 of 752
Net Interest Margin
4.43%
Rank 117 of 752
Efficiency Ratio
51.27%
Rank 126 of 752
Equity / Assets
11.25%
Rank 310 of 752
Non-interest income vs. expense
Unfavorable gap of $13.4M · efficiency ratio beats 83% 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% | 1.07% | 1.45% | Beats 91% | 66 / 752 | | |
| Return on Equity | 16.70% | 6.78% | 10.58% | 13.65% | Beats 91% | 69 / 752 | | |
| Net Interest Margin | 4.43% | 3.18% | 3.69% | 4.17% | Beats 84% | 117 / 752 | | |
| Efficiency Ratio | 51.27% | 55.75% | 64.49% | 75.47% | Beats 83% | 126 / 752 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.09% | 0.42% | 1.03% | Beats 61% | 293 / 748 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 27% | 550 / 748 | | |
| Capital |
| Tier 1 Capital Ratio | 19.50% | 11.55% | 13.75% | 17.60% | Beats 81% | 143 / 752 | | |
| Total Risk-Based Capital Ratio | 20.76% | 11.70% | 14.33% | 18.47% | Beats 82% | 132 / 752 | | |
| Equity / Assets | 11.25% | 8.93% | 10.56% | 13.13% | Beats 59% | 310 / 752 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.75% | 62.23% | 78.64% | 91.26% | 49th pctl | 387 / 752 | | |
| Loans / Assets | 68.51% | 54.61% | 67.41% | 76.47% | 53rd pctl | 357 / 752 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |