Union, WV · Cert 6180 · Union Bankshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 0.99% | 1.22% | 1.24% | 1.16% | 1.18% | 1.39% | 1.38% | +15 bps | |
| Return on Equity | 9.48% | 9.43% | 11.69% | 11.62% | 10.84% | 10.86% | 12.23% | 12.01% | +39 bps | |
| Net Interest Margin | 3.01% | 3.05% | 3.10% | 3.20% | 3.23% | 3.24% | 3.45% | 3.50% | +29 bps | |
| Efficiency Ratio | 68.27% | 68.18% | 63.64% | 61.93% | 63.73% | 61.83% | 59.62% | 58.01% | -392 bps | |
| Non-Interest Burden | 1.83% | 1.85% | 1.54% | 1.65% | 1.76% | 1.71% | 1.82% | 1.76% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.30% | 7.39% | 7.81% | 7.73% | 5.62% | 5.82% | 3.85% | 5.18% | -255 bps | |
| Loan Growth (YoY) | 8.86% | 11.21% | 12.76% | 12.88% | 9.66% | 9.24% | 7.98% | 7.29% | -559 bps | |
| Deposit Growth (YoY) | 10.16% | 7.54% | 7.46% | 7.27% | 5.42% | 4.56% | 2.91% | 4.13% | -314 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.10% | 0.36% | 0.39% | 0.38% | 0.32% | 0.34% | 0.34% | -5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | -0.01% | 0.02% | 0.01% | 0.00% | -0.01% | -0.01% | -3 bps | |
| Allowance / Loans | 1.19% | 1.14% | 1.18% | 1.17% | 1.15% | 1.25% | 1.25% | 1.28% | +11 bps | |
| Allowance Coverage of NPLs | 3.4x | 11.7x | 3.2x | 3.0x | 3.1x | 3.9x | 3.6x | 3.8x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.88% | 12.95% | 12.77% | 12.95% | 12.80% | 12.67% | 13.04% | 13.22% | +27 bps | |
| Total Risk-Based Capital | 22.06% | 21.58% | 22.01% | 22.86% | 22.77% | 22.36% | 22.38% | 22.79% | -7 bps | |
| Equity / Assets | 10.87% | 10.30% | 10.64% | 10.98% | 11.03% | 11.32% | 11.44% | 11.76% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.13% | 65.95% | 67.24% | 67.98% | 66.71% | 68.91% | 70.55% | 70.04% | +206 bps | |
| Liquid Assets / Assets | 10.10% | 6.47% | 6.92% | 5.98% | 8.03% | 5.96% | 5.24% | 5.79% | -19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 141.36% | 152.85% | 146.93% | n/a | n/a | |