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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 $2.7MQ3 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