Union Savings Bank
Freeport, IL · Cert 29121 · Peer group: banks under $1B in assets in IL (n=149-151) · Union Bancshares MHC
SI · FDIC · 4 branches
Q2 2026
$182.0MAssets
$116.1MLoans
$166.1MDeposits
$14.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 68% of banks under $1B in assets in IL (rank 48 of 149).
- Widest gap: efficiency ratio trails 93% of banks under $1B in assets in IL (rank 142 of 151).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.31%
Rank 137 of 151
Net Interest Margin
3.50%
Rank 66 of 151
Efficiency Ratio
90.83%
Rank 142 of 151
Equity / Assets
7.94%
Rank 134 of 151
Non-interest income vs. expense
Unfavorable gap of $5.6M · efficiency ratio beats 7% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.31% | 0.70% | 1.03% | 1.34% | Beats 9% | 137 / 151 | | |
| Return on Equity | 3.89% | 6.74% | 9.34% | 12.94% | Beats 10% | 136 / 151 | | |
| Net Interest Margin | 3.50% | 3.02% | 3.43% | 3.83% | Beats 56% | 66 / 151 | | |
| Efficiency Ratio | 90.83% | 54.64% | 64.89% | 72.50% | Beats 7% | 142 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.20% | 0.66% | 1.77% | Beats 68% | 48 / 149 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.02% | 0.07% | Beats 32% | 102 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 15.59% | 11.83% | 14.17% | 18.66% | Beats 60% | 60 / 151 | | |
| Total Risk-Based Capital Ratio | 16.42% | 12.22% | 14.54% | 19.92% | Beats 63% | 56 / 151 | | |
| Equity / Assets | 7.94% | 9.10% | 10.65% | 12.40% | Beats 11% | 134 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.91% | 54.39% | 71.02% | 80.75% | 46th pctl | 80 / 149 | | |
| Loans / Assets | 63.79% | 45.91% | 61.31% | 68.01% | 55th pctl | 68 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |