Union Banking Company, The
West Mansfield, OH · Cert 15326 · Peer group: banks under $1B in assets in OH (n=68-71) · Union Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$54.5MAssets
$8.5MLoans
$45.4MDeposits
$1.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
- Widest gap: equity / assets trails 100% of banks under $1B in assets in OH (rank 71 of 71).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.18%
Rank 67 of 71
Net Interest Margin
1.67%
Rank 71 of 71
Efficiency Ratio
87.03%
Rank 64 of 71
Equity / Assets
2.38%
Rank 71 of 71
Non-interest income vs. expense
Unfavorable gap of $858K · efficiency ratio beats 11% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.18% | 0.62% | 1.02% | 1.39% | Beats 6% | 67 / 71 | | |
| Return on Equity | 7.73% | 5.62% | 10.07% | 13.60% | Beats 39% | 43 / 71 | | |
| Net Interest Margin | 1.67% | 2.93% | 3.56% | 4.07% | Beats 0% | 71 / 71 | | |
| Efficiency Ratio | 87.03% | 55.94% | 70.77% | 78.80% | Beats 11% | 64 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.08% | 0.27% | 0.97% | Beats 38% | 43 / 68 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 26 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 33.90% | 11.18% | 13.77% | 20.34% | Beats 92% | 6 / 71 | | |
| Total Risk-Based Capital Ratio | 34.34% | 12.08% | 14.34% | 21.24% | Beats 93% | 5 / 71 | | |
| Equity / Assets | 2.38% | 8.41% | 10.74% | 13.32% | Beats 0% | 71 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 18.66% | 64.48% | 76.81% | 87.49% | 0th pctl | 68 / 68 | | |
| Loans / Assets | 15.54% | 55.33% | 65.58% | 72.51% | 4th pctl | 68 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |