Union State Bank
Clay Center, KS · Cert 15908 · Peer group: banks under $1B in assets in KS (n=98) · Union State Banc Holding Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
$206.2MAssets
$115.6MLoans
$175.2MDeposits
$17.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 98).
- Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets in KS (rank 89 of 98).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.86%
Rank 85 of 98
Net Interest Margin
3.09%
Rank 83 of 98
Efficiency Ratio
65.43%
Rank 77 of 98
Equity / Assets
8.42%
Rank 78 of 98
Non-interest income vs. expense
Unfavorable gap of $4.0M · efficiency ratio beats 22% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 1.03% | 1.24% | 1.54% | Beats 13% | 85 / 98 | |
| Return on Equity | 10.17% | 8.85% | 11.58% | 14.73% | Beats 41% | 58 / 98 | |
| Net Interest Margin | 3.09% | 3.24% | 3.62% | 3.91% | Beats 15% | 83 / 98 | |
| Efficiency Ratio | 65.43% | 51.87% | 58.88% | 64.74% | Beats 22% | 77 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.33% | 1.05% | Beats 100% | 17 / 98 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 100% | 36 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 10.29% | 11.81% | 13.71% | 17.33% | Beats 10% | 88 / 98 | |
| Total Risk-Based Capital Ratio | 10.29% | 11.81% | 14.13% | 17.45% | Beats 9% | 89 / 98 | |
| Equity / Assets | 8.42% | 8.60% | 11.34% | 13.10% | Beats 20% | 78 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 65.98% | 57.09% | 69.84% | 82.47% | 43rd pctl | 56 / 98 | |
| Loans / Assets | 56.08% | 49.34% | 58.31% | 68.94% | 43rd pctl | 56 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |