Uniontown, KS · Cert 16788 · Union State Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 0.86% | 1.33% | 1.49% | 1.29% | 0.82% | 1.34% | 3.27% | +178 bps | |
| Return on Equity | 16.39% | 11.19% | 17.86% | 19.05% | 15.31% | 9.38% | 15.57% | 36.29% | +1,725 bps | |
| Net Interest Margin | 4.60% | 4.53% | 4.49% | 4.52% | 4.58% | 4.61% | 4.44% | 4.48% | -4 bps | |
| Efficiency Ratio | 69.19% | 75.23% | 65.58% | 64.00% | 69.49% | 81.03% | 67.07% | 46.15% | -1,785 bps | |
| Non-Interest Burden | 2.91% | 3.21% | 2.66% | 2.57% | 2.90% | 3.59% | 2.70% | 0.44% | -213 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 / Loans | 0.00% | 0.00% | 0.01% | 0.29% | 0.24% | 0.23% | 1.65% | 0.18% | -11 bps | |
| Net Charge-Offs / Loans | -0.09% | 0.31% | 0.00% | 0.00% | 0.05% | 0.03% | 0.01% | 0.14% | +14 bps | |
| Allowance / Loans | 1.08% | 1.09% | 1.13% | 1.15% | 1.16% | 1.10% | 1.14% | 1.03% | -12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 94.3x | 3.9x | 4.7x | 4.8x | 0.7x | 5.6x | +1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.28% | 8.80% | 9.24% | 9.48% | 9.87% | 9.59% | 9.73% | 10.36% | +88 bps | |
| Total Risk-Based Capital | 15.62% | 14.51% | 15.21% | 15.38% | 16.01% | 15.11% | 15.33% | 16.07% | +69 bps | |
| Equity / Assets | 8.13% | 7.21% | 7.63% | 8.05% | 8.80% | 8.73% | 8.52% | 9.52% | +147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.47% | 76.47% | 78.52% | 81.95% | 83.78% | 85.48% | 80.87% | 87.52% | +557 bps | |
| Liquid Assets / Assets | 1.85% | 1.79% | 1.48% | 1.58% | 1.47% | 1.17% | 0.85% | 1.00% | -58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 108.26% | 107.25% | 128.31% | n/a | n/a | |