Defiance, IA · Cert 17450 · Union Bcorp
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.94% | -0.53% | 0.54% | 0.61% | +18 bps | |
| Return on Equity | 4.23% | 9.07% | -5.19% | 5.61% | 6.18% | +195 bps | |
| Net Interest Margin | 3.60% | 4.17% | 3.62% | 3.55% | 3.71% | +12 bps | |
| Efficiency Ratio | 85.48% | 72.01% | 105.76% | 81.28% | 80.05% | -544 bps | |
| Non-Interest Burden | 3.06% | 2.95% | 3.84% | 2.85% | 2.95% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.04% | -4.10% | 1.04% | 2.67% | 8.75% | +1,178 bps | |
| Loan Growth (YoY) | 2.34% | -0.97% | 2.70% | 4.81% | 10.89% | +854 bps | |
| Deposit Growth (YoY) | -4.18% | -5.61% | -8.84% | 0.92% | 3.85% | +803 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.12% | 0.11% | 0.09% | 0.08% | 0.08% | -205 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.61% | 0.60% | 0.63% | 0.62% | 0.62% | +1 bps | |
| Allowance Coverage of NPLs | 0.3x | 5.5x | 6.7x | 7.4x | 8.0x | +7.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.05% | 10.67% | 10.00% | 9.79% | 9.86% | -19 bps | |
| Total Risk-Based Capital | 10.05% | 10.67% | 10.85% | 9.79% | 9.86% | -19 bps | |
| Equity / Assets | 10.20% | 10.55% | 9.71% | 9.71% | 9.87% | -34 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.86% | 95.82% | 102.13% | 95.17% | 95.94% | +609 bps | |
| Liquid Assets / Assets | 20.00% | 18.66% | 16.59% | 18.08% | 17.59% | -241 bps | |
| CRE / Total Capital | n/a | 79.41% | 81.53% | 75.10% | n/a | n/a | |