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Union State Bank

Clay Center, KS · Cert 15908 · Union State Banc Holding Corp.

State charter, Fed member · FED · 4 branches

Q2 2026

$206.2MAssets
$115.6MLoans
$175.2MDeposits
$17.4MEquity
Loan mix
85%RE $82.6M10%C&I $9.6M5%Consumer $4.9MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $148.5M15%Noninterest $26.8MQ2 2025Q2 2026

NIM

4.10%Q2 ’244.49%Q2 ’254.70%Q2 ’26+17%+10%

Non-interest income vs. expense

2.03%Q2 ’242.08%Q2 ’252.18%Q2 ’26+2%+6%

Executive Summary

  • Earnings: ROA of 0.85%, up 10 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.00% of loans (-5 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.29%, up 52 bps from a year ago.
  • Funding: loans stand at 65.98% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.85%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.11%+29 bps YoY

Efficiency Ratio (quarter, annualized)

64.26%-242 bps YoY

Tier 1 Leverage Ratio

10.29%+52 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.74%0.98%0.90%0.85%+10 bps
Return on Equity9.81%9.16%11.88%10.71%10.04%+22 bps
Net Interest Margin2.82%2.99%3.12%3.06%3.11%+29 bps
Efficiency Ratio66.69%66.07%63.73%63.27%64.26%-242 bps
Non-Interest Burden1.86%1.95%1.96%1.92%1.97%+11 bps
Growth
Asset Growth (YoY)5.51%3.19%5.29%1.16%3.58%-193 bps
Loan Growth (YoY)5.94%0.97%-0.55%-0.79%-5.33%-1,127 bps
Deposit Growth (YoY)8.51%9.45%6.34%2.01%4.49%-402 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.06%0.01%0.00%0.00%-5 bps
Net Charge-Offs / Loans0.03%0.00%-0.05%-0.01%-0.01%-5 bps
Allowance / Loans1.17%1.21%1.23%1.27%1.29%+12 bps
Allowance Coverage of NPLs23.4x19.6x121.8xn/an/an/a
Capital
Tier 1 Leverage Ratio9.76%9.96%10.15%10.04%10.29%+52 bps
Total Risk-Based Capital9.76%9.96%10.15%10.04%10.29%+52 bps
Equity / Assets7.80%8.25%8.30%8.53%8.42%+63 bps
Liquidity & Funding
Loans / Deposits72.82%71.48%69.96%68.38%65.98%-684 bps
Liquid Assets / Assets0.42%0.33%0.04%0.02%3.69%+328 bps
CRE / Total Capitaln/a108.74%99.09%86.43%n/an/a