Clay Center, KS · Cert 15908 · Union State Banc Holding Corp.
State charter, Fed member · FED · 4 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 | 0.48% | 0.46% | 0.61% | 0.68% | 0.70% | 0.77% | 0.90% | 0.87% | +19 bps | |
| Return on Equity | 5.97% | 5.86% | 8.26% | 9.07% | 9.10% | 9.86% | 10.71% | 10.36% | +129 bps | |
| Net Interest Margin | 2.42% | 2.46% | 2.67% | 2.73% | 2.82% | 2.92% | 3.06% | 3.09% | +36 bps | |
| Efficiency Ratio | 76.46% | 75.84% | 71.35% | 68.94% | 67.93% | 66.80% | 63.27% | 63.77% | -517 bps | |
| Non-Interest Burden | 1.86% | 1.88% | 1.90% | 1.87% | 1.90% | 1.93% | 1.92% | 1.95% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.50% | -1.69% | 3.69% | 5.51% | 3.19% | 5.29% | 1.16% | 3.58% | -193 bps | |
| Loan Growth (YoY) | 5.36% | 4.46% | 4.48% | 5.94% | 0.97% | -0.55% | -0.79% | -5.33% | -1,127 bps | |
| Deposit Growth (YoY) | 2.45% | 1.81% | 7.67% | 8.51% | 9.45% | 6.34% | 2.01% | 4.49% | -402 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.09% | 0.00% | 0.05% | 0.06% | 0.01% | 0.00% | 0.00% | -5 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.02% | -0.01% | 0.01% | 0.01% | -0.01% | -0.01% | -0.01% | -2 bps | |
| Allowance / Loans | 1.20% | 1.20% | 1.24% | 1.17% | 1.21% | 1.23% | 1.27% | 1.29% | +12 bps | |
| Allowance Coverage of NPLs | 4.4x | 13.5x | n/a | 23.4x | 19.6x | 121.8x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.56% | 9.72% | 9.69% | 9.76% | 9.96% | 10.15% | 10.04% | 10.29% | +52 bps | |
| Total Risk-Based Capital | 10.56% | 9.72% | 9.69% | 9.76% | 9.96% | 10.15% | 10.04% | 10.29% | +52 bps | |
| Equity / Assets | 8.65% | 7.17% | 7.52% | 7.80% | 8.25% | 8.30% | 8.53% | 8.42% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.49% | 74.81% | 70.31% | 72.82% | 71.48% | 69.96% | 68.38% | 65.98% | -684 bps | |
| Liquid Assets / Assets | 0.25% | 0.26% | 0.27% | 0.42% | 0.33% | 0.04% | 0.02% | 3.69% | +328 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 108.74% | 99.09% | 86.43% | n/a | n/a | |