Union Bank, The
Beulah, ND · Cert 9420 · Peer group: banks under $1B in assets (n=581-629) · Union Holding Co.
State charter, non-member · FDIC · 6 branches
Q2 2026
$312.2MAssets
$195.1MLoans
$266.2MDeposits
$30.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 84% of banks under $1B in assets (rank 103 of 629).
- Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets (rank 557 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.45%
Rank 156 of 629
Net Interest Margin
4.06%
Rank 155 of 629
Efficiency Ratio
68.41%
Rank 325 of 629
Equity / Assets
9.67%
Rank 409 of 629
Non-interest income vs. expense
Unfavorable gap of $8.7M · efficiency ratio beats 48% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.60% | 1.01% | 1.45% | Beats 75% | 156 / 629 | | |
| Return on Equity | 15.00% | 5.38% | 9.30% | 13.28% | Beats 84% | 103 / 629 | | |
| Net Interest Margin | 4.06% | 3.03% | 3.54% | 4.05% | Beats 75% | 155 / 629 | | |
| Efficiency Ratio | 68.41% | 58.35% | 67.79% | 79.08% | Beats 48% | 325 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.38% | 0.09% | 0.46% | 1.20% | Beats 20% | 465 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 70% | 180 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 10.12% | 11.24% | 13.84% | 18.77% | Beats 13% | 550 / 629 | | |
| Total Risk-Based Capital Ratio | 10.12% | 11.58% | 14.43% | 19.66% | Beats 11% | 557 / 629 | | |
| Equity / Assets | 9.67% | 9.09% | 10.65% | 13.80% | Beats 35% | 409 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.32% | 67.24% | 80.90% | 93.48% | 35th pctl | 386 / 594 | | |
| Loans / Assets | 62.51% | 53.31% | 67.71% | 78.15% | 39th pctl | 385 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |