Union Savings Bank
Cincinnati, OH · Cert 32296 · Peer group: banks $1B-$10B in assets operating regionally (n=176)
SL · FDIC · 39 branches
Q2 2026
$4.0BAssets
$3.6BLoans
$3.5BDeposits
$408.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating regionally (rank 10 of 176).
- Widest gap: net interest margin trails 93% of banks $1B-$10B in assets operating regionally (rank 163 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.58%
Rank 39 of 176
Net Interest Margin
2.83%
Rank 163 of 176
Efficiency Ratio
48.40%
Rank 29 of 176
Equity / Assets
10.17%
Rank 96 of 176
Non-interest income vs. expense
Unfavorable gap of $28.5M · efficiency ratio beats 84% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.58% | 0.93% | 1.26% | 1.54% | Beats 78% | 39 / 176 | | |
| Return on Equity | 15.56% | 9.26% | 11.89% | 14.46% | Beats 82% | 31 / 176 | | |
| Net Interest Margin | 2.83% | 3.25% | 3.59% | 3.93% | Beats 7% | 163 / 176 | | |
| Efficiency Ratio | 48.40% | 52.79% | 59.55% | 67.66% | Beats 84% | 29 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.30% | 0.64% | 1.32% | Beats 46% | 96 / 176 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 100% | 10 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 10.51% | 11.15% | 12.72% | 14.15% | Beats 14% | 151 / 176 | | |
| Total Risk-Based Capital Ratio | 10.51% | 11.81% | 13.63% | 15.33% | Beats 10% | 158 / 176 | | |
| Equity / Assets | 10.17% | 9.16% | 10.35% | 11.80% | Beats 45% | 96 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 100.54% | 80.94% | 89.73% | 97.21% | 84th pctl | 28 / 176 | | |
| Loans / Assets | 88.42% | 69.25% | 75.12% | 80.82% | 98th pctl | 3 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |