Union State Bank
Olsburg, KS · Cert 15098 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 2 branches
Q2 2026
$44.3MAssets
$19.3MLoans
$39.1MDeposits
$5.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: net interest margin trails 78% of banks under $1B in assets operating in a single state (rank 580 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.17%
Rank 309 of 746
Net Interest Margin
3.10%
Rank 580 of 746
Efficiency Ratio
54.09%
Rank 168 of 746
Equity / Assets
11.44%
Rank 287 of 746
Non-interest income vs. expense
Unfavorable gap of $750K · efficiency ratio beats 78% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.72% | 1.06% | 1.45% | Beats 59% | 309 / 746 | |
| Return on Equity | 10.26% | 6.74% | 10.51% | 13.63% | Beats 49% | 384 / 746 | |
| Net Interest Margin | 3.10% | 3.17% | 3.68% | 4.16% | Beats 22% | 580 / 746 | |
| Efficiency Ratio | 54.09% | 55.74% | 64.58% | 75.47% | Beats 78% | 168 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 28.19% | 11.55% | 13.75% | 17.60% | Beats 94% | 46 / 746 | |
| Total Risk-Based Capital Ratio | 30.80% | 11.71% | 14.33% | 18.43% | Beats 95% | 39 / 746 | |
| Equity / Assets | 11.44% | 8.90% | 10.51% | 13.06% | Beats 62% | 287 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 49.42% | 61.31% | 78.27% | 90.78% | 13th pctl | 652 / 746 | |
| Loans / Assets | 43.62% | 53.60% | 66.97% | 76.08% | 13th pctl | 648 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |