Union Savings Bank
Danbury, CT · Cert 18190 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · Usb Bcorp Inc.
SI · FDIC · 26 branches
Q2 2026
$3.3BAssets
$2.4BLoans
$2.5BDeposits
$326.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 76% of banks $1B-$10B in assets operating in a single state (rank 65 of 267).
- Widest gap: net interest margin trails 88% of banks $1B-$10B in assets operating in a single state (rank 236 of 267).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.81%
Rank 220 of 267
Net Interest Margin
2.77%
Rank 236 of 267
Efficiency Ratio
69.65%
Rank 199 of 266
Equity / Assets
9.87%
Rank 153 of 267
Non-interest income vs. expense
Unfavorable gap of $58.7M · efficiency ratio beats 26% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.93% | 1.23% | 1.55% | Beats 18% | 220 / 267 | |
| Return on Equity | 8.20% | 9.16% | 11.84% | 14.56% | Beats 19% | 216 / 267 | |
| Net Interest Margin | 2.77% | 3.12% | 3.50% | 3.88% | Beats 12% | 236 / 267 | |
| Efficiency Ratio | 69.65% | 51.36% | 60.21% | 69.66% | Beats 26% | 199 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.19% | 0.46% | 0.89% | Beats 63% | 101 / 267 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 76% | 65 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 11.48% | 11.29% | 13.05% | 15.13% | Beats 27% | 195 / 267 | |
| Total Risk-Based Capital Ratio | 11.48% | 11.95% | 13.87% | 16.27% | Beats 21% | 212 / 267 | |
| Equity / Assets | 9.87% | 9.18% | 10.29% | 11.76% | Beats 43% | 153 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 93.58% | 72.68% | 86.16% | 95.22% | 71st pctl | 77 / 267 | |
| Loans / Assets | 72.24% | 62.46% | 71.96% | 78.38% | 50th pctl | 133 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |