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Union State Bank

Uniontown, KS · Cert 16788 · Union State Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

94

Q2 2024Q2 2026peer median (50)

Liquidity

18

Q2 2024Q2 2026peer median

Efficiency

65

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Union State Bank

Uniontown, KS · Cert 16788 · Union State Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$73.8MAssets
$57.1MLoans
$65.2MDeposits
$7.0MEquity
Loan mix
76%RE $32.8M18%C&I $7.9M6%Consumer $2.7MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $48.6M25%Noninterest $16.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.32%, up 92 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 0.18% of loans (-11 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 10.36%, up 88 bps from a year ago.
  • Funding: loans stand at 87.52% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.32%+92 bps YoY

Net Interest Margin (YTD, annualized)

4.41%-7 bps YoY

Efficiency Ratio (YTD, annualized)

54.68%-1,010 bps YoY

Tier 1 Leverage Ratio

10.36%+88 bps YoY

NIM

5.63%Q2 ’245.74%Q2 ’255.63%Q2 ’26-1%-2%

Non-interest income vs. expense

3.55%Q2 ’243.45%Q2 ’253.46%Q2 ’26-3%-41%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.23%1.33%1.41%1.37%1.23%1.34%2.32%+92 bps
Return on Equity17.85%16.29%17.86%18.48%17.29%15.26%15.57%26.05%+757 bps
Net Interest Margin4.51%4.34%4.49%4.48%4.55%4.47%4.44%4.41%-7 bps
Efficiency Ratio66.92%69.08%65.58%64.78%66.37%70.09%67.07%54.68%-1,010 bps
Non-Interest Burden2.72%2.74%2.66%2.60%2.72%2.88%2.70%1.54%-107 bps
Growth
Asset Growth (YoY)2.60%7.40%8.20%3.73%0.47%-2.94%2.71%6.03%+230 bps
Loan Growth (YoY)11.18%7.24%7.32%3.20%3.69%8.01%5.88%12.88%+968 bps
Deposit Growth (YoY)-2.68%5.35%6.21%2.79%2.06%-3.38%2.80%5.70%+291 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.01%0.29%0.24%0.23%1.65%0.18%-11 bps
Net Charge-Offs / Loans0.03%0.10%0.00%0.00%0.02%0.02%0.01%0.07%+7 bps
Allowance / Loans1.08%1.09%1.13%1.15%1.16%1.10%1.14%1.03%-12 bps
Allowance Coverage of NPLsn/an/a94.3x3.9x4.7x4.8x0.7x5.6x+1.6x
Capital
Tier 1 Leverage Ratio9.28%8.80%9.24%9.48%9.87%9.59%9.73%10.36%+88 bps
Total Risk-Based Capital15.62%14.51%15.21%15.38%16.01%15.11%15.33%16.07%+69 bps
Equity / Assets8.13%7.21%7.63%8.05%8.80%8.73%8.52%9.52%+147 bps
Liquidity & Funding
Loans / Deposits82.47%76.47%78.52%81.95%83.78%85.48%80.87%87.52%+557 bps
Liquid Assets / Assets1.85%1.79%1.48%1.58%1.47%1.17%0.85%1.00%-58 bps
CRE / Total Capitaln/an/an/an/a108.26%107.25%128.31%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Union State Bank

Uniontown, KS · Cert 16788 · Peer group: banks under $1B in assets in KS (n=98) · Union State Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$73.8MAssets
$57.1MLoans
$65.2MDeposits
$7.0MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 96% of banks under $1B in assets in KS (rank 4 of 98).
  • Widest gap: net charge-offs / loans trails 80% of banks under $1B in assets in KS (rank 79 of 98).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.29%

Rank 4 of 98

Net Interest Margin

4.41%

Rank 9 of 98

Efficiency Ratio

54.68%

Rank 35 of 98

Equity / Assets

9.52%

Rank 63 of 98

Non-interest income vs. expense

$1.5M$2.6MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 65% of banks under $1B in assets in KS
Bank 54.68%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.29%1.03%1.24%1.54%Beats 96%4 / 98
Return on Equity24.09%8.85%11.58%14.73%Beats 96%4 / 98
Net Interest Margin4.41%3.24%3.62%3.91%Beats 91%9 / 98
Efficiency Ratio54.68%51.87%58.88%64.74%Beats 65%35 / 98
Asset Quality
Nonperforming Loans / Loans0.18%0.01%0.33%1.05%Beats 62%38 / 98
Net Charge-Offs / Loans0.05%n/a0.00%0.03%Beats 20%79 / 98
Capital
Tier 1 Capital Ratio14.96%11.81%13.71%17.33%Beats 62%37 / 98
Total Risk-Based Capital Ratio16.07%11.81%14.13%17.45%Beats 62%37 / 98
Equity / Assets9.52%8.60%11.34%13.10%Beats 36%63 / 98
Liquidity & Funding
Loans / Deposits87.52%57.09%69.84%82.47%83rd pctl17 / 98
Loans / Assets77.27%49.34%58.31%68.94%93rd pctl7 / 98
Brokered Deposits / Depositsn/aNot reported for this institution