Mena, AR · Cert 14597 · Union Bankshares Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 1.56% | 1.69% | 1.74% | 1.77% | 1.78% | 1.85% | 1.91% | +17 bps | |
| Return on Equity | 15.59% | 15.78% | 16.21% | 16.49% | 16.51% | 16.53% | 17.09% | 17.40% | +91 bps | |
| Net Interest Margin | 3.67% | 3.76% | 4.17% | 4.22% | 4.32% | 4.27% | 4.50% | 4.43% | +21 bps | |
| Efficiency Ratio | 58.77% | 57.92% | 52.97% | 52.94% | 52.71% | 52.66% | 51.85% | 51.27% | -167 bps | |
| Non-Interest Burden | 1.83% | 1.85% | 1.83% | 1.85% | 1.89% | 1.86% | 1.96% | 1.88% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 82.02% | 77.54% | 4.33% | -0.15% | 4.08% | 4.26% | 6.78% | 9.00% | +915 bps | |
| Loan Growth (YoY) | 86.83% | 87.94% | 4.15% | 8.15% | 6.33% | 6.17% | 7.97% | 8.67% | +52 bps | |
| Deposit Growth (YoY) | 85.53% | 83.13% | 7.76% | 3.94% | 4.83% | 4.86% | 7.86% | 8.57% | +463 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.76% | 0.24% | 0.36% | 0.28% | 0.31% | 0.26% | 0.26% | -10 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.10% | 0.13% | 0.09% | 0.08% | 0.08% | 0.09% | 0.06% | -3 bps | |
| Allowance / Loans | 1.49% | 1.48% | 1.51% | 1.52% | 1.52% | 1.53% | 1.52% | 1.52% | 0 bps | |
| Allowance Coverage of NPLs | 5.5x | 1.9x | 6.4x | 4.2x | 5.5x | 4.9x | 5.9x | 5.9x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.08% | 11.09% | 11.31% | 11.38% | 11.72% | 10.89% | 11.36% | 11.40% | +2 bps | |
| Total Risk-Based Capital | 20.59% | 19.98% | 20.08% | 20.02% | 20.31% | 19.28% | 20.05% | 20.76% | +74 bps | |
| Equity / Assets | 10.69% | 10.31% | 10.49% | 10.87% | 11.27% | 10.88% | 10.78% | 11.25% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.32% | 76.97% | 75.54% | 77.67% | 77.41% | 77.93% | 75.62% | 77.75% | +7 bps | |
| Liquid Assets / Assets | 5.19% | 7.00% | 8.42% | 4.77% | 6.44% | 6.03% | 9.03% | 5.79% | +101 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 134.04% | 143.12% | 142.56% | n/a | n/a | |