Union Savings Bank
Danbury, CT · Cert 18190 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 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 74% of banks $1B-$10B in assets operating in a single state (rank 67 of 258).
- Widest gap: net interest margin trails 89% of banks $1B-$10B in assets operating in a single state (rank 230 of 258).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.81%
Rank 213 of 258
Net Interest Margin
2.77%
Rank 230 of 258
Efficiency Ratio
69.65%
Rank 193 of 257
Equity / Assets
9.87%
Rank 147 of 258
Non-interest income vs. expense
Unfavorable gap of $58.7M · efficiency ratio beats 25% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.93% | 1.23% | 1.54% | Beats 17% | 213 / 258 | | |
| Return on Equity | 8.20% | 9.26% | 11.84% | 14.74% | Beats 19% | 209 / 258 | | |
| Net Interest Margin | 2.77% | 3.16% | 3.49% | 3.88% | Beats 11% | 230 / 258 | | |
| Efficiency Ratio | 69.65% | 51.71% | 60.30% | 69.65% | Beats 25% | 193 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.19% | 0.46% | 0.90% | Beats 62% | 98 / 258 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 74% | 67 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 11.48% | 11.41% | 12.98% | 15.12% | Beats 26% | 191 / 258 | | |
| Total Risk-Based Capital Ratio | 11.48% | 12.10% | 13.91% | 16.08% | Beats 19% | 209 / 258 | | |
| Equity / Assets | 9.87% | 9.09% | 10.24% | 11.72% | Beats 43% | 147 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.58% | 73.24% | 86.34% | 95.95% | 70th pctl | 78 / 258 | | |
| Loans / Assets | 72.24% | 63.01% | 72.27% | 78.40% | 50th pctl | 130 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |