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
Unfavorable gap of $1.2M · efficiency ratio beats 65% 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 | 2.29% | 1.03% | 1.24% | 1.54% | Beats 96% | 4 / 98 | |
| Return on Equity | 24.09% | 8.85% | 11.58% | 14.73% | Beats 96% | 4 / 98 | |
| Net Interest Margin | 4.41% | 3.24% | 3.62% | 3.91% | Beats 91% | 9 / 98 | |
| Efficiency Ratio | 54.68% | 51.87% | 58.88% | 64.74% | Beats 65% | 35 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.18% | 0.01% | 0.33% | 1.05% | Beats 62% | 38 / 98 | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.00% | 0.03% | Beats 20% | 79 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 14.96% | 11.81% | 13.71% | 17.33% | Beats 62% | 37 / 98 | |
| Total Risk-Based Capital Ratio | 16.07% | 11.81% | 14.13% | 17.45% | Beats 62% | 37 / 98 | |
| Equity / Assets | 9.52% | 8.60% | 11.34% | 13.10% | Beats 36% | 63 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 87.52% | 57.09% | 69.84% | 82.47% | 83rd pctl | 17 / 98 | |
| Loans / Assets | 77.27% | 49.34% | 58.31% | 68.94% | 93rd pctl | 7 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |