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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 $2.7MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $48.6M25%Noninterest $16.6MQ2 2025Q2 2026

NIM

5.76%Q2 ’245.79%Q2 ’255.71%Q2 ’26-2%-1%

Non-interest income vs. expense

3.56%Q2 ’243.46%Q2 ’253.46%Q2 ’26-3%-83%

Executive Summary

  • Earnings: ROA of 3.27%, up 178 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 0.18% of loans (-11 bps YoY), with net charge-offs at 0.14%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

3.27%+178 bps YoY

Net Interest Margin (quarter, annualized)

4.48%-4 bps YoY

Efficiency Ratio (quarter, annualized)

46.15%-1,785 bps YoY

Tier 1 Leverage Ratio

10.36%+88 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.49%1.29%0.82%1.34%3.27%+178 bps
Return on Equity19.05%15.31%9.38%15.57%36.29%+1,725 bps
Net Interest Margin4.52%4.58%4.61%4.44%4.48%-4 bps
Efficiency Ratio64.00%69.49%81.03%67.07%46.15%-1,785 bps
Non-Interest Burden2.57%2.90%3.59%2.70%0.44%-213 bps
Growth
Asset Growth (YoY)3.73%0.47%-2.94%2.71%6.03%+230 bps
Loan Growth (YoY)3.20%3.69%8.01%5.88%12.88%+968 bps
Deposit Growth (YoY)2.79%2.06%-3.38%2.80%5.70%+291 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.24%0.23%1.65%0.18%-11 bps
Net Charge-Offs / Loans0.00%0.05%0.03%0.01%0.14%+14 bps
Allowance / Loans1.15%1.16%1.10%1.14%1.03%-12 bps
Allowance Coverage of NPLs3.9x4.7x4.8x0.7x5.6x+1.6x
Capital
Tier 1 Leverage Ratio9.48%9.87%9.59%9.73%10.36%+88 bps
Total Risk-Based Capital15.38%16.01%15.11%15.33%16.07%+69 bps
Equity / Assets8.05%8.80%8.73%8.52%9.52%+147 bps
Liquidity & Funding
Loans / Deposits81.95%83.78%85.48%80.87%87.52%+557 bps
Liquid Assets / Assets1.58%1.47%1.17%0.85%1.00%-58 bps
CRE / Total Capitaln/a108.26%107.25%128.31%n/an/a