BlastPoint's Banking Scorecard
The Union Bank Company
Designations: ✓ Community bank
Columbus Grove, OH
15 branches across OH
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
- Deposits +10.7% year over year ($1.2B on the books).
- Delinquency rate 0.12%.
- Return on assets 0.92%.
- Efficiency ratio 60.66% vs a 59.73% peer average.
- Loan-to-deposit ratio 71.71% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Union Bank Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.18% above tier average
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 55.3% in tier
- - Efficiency Ratio 0.93% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+20.8% YoY
+19.1% QoQ
|
-$1.3B |
$2.8B
-0.6% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
32% |
| Total Loans ? |
$854.5M
+9.4% YoY
+1.2% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
18% |
| Total Deposits ? |
$1.2B
+10.7% YoY
+9.7% QoQ
|
-$1.1B |
$2.3B
-0.5% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
0.92%
-10.7% YoY
-29.1% QoQ
|
-0.47% |
1.39%
+17.0% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
24% |
| Net Interest Margin ? |
4.05%
+9.3% YoY
-0.6% QoQ
|
+0.18% |
3.87%
+6.2% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
71% |
| Efficiency Ratio ? |
60.66%
-11.3% YoY
-4.8% QoQ
|
+0.93% |
59.73%
-12.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
45% |
| Delinquency Rate ? |
0.12%
-63.3% YoY
-19.8% QoQ
|
-0.75% |
0.87%
+11.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
Top 14.2% in tier |
| Loan-to-Deposit Ratio ? |
71.71%
-1.1% YoY
-7.7% QoQ
|
-13.33% |
85.04%
-0.1% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
16.71%
+9.3% YoY
+5.6% QoQ
|
-4.56% |
21.27%
-1.5% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.07%
-81.6% YoY
-31.9% QoQ
|
-0.60% |
0.67%
+11.7% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 11.4% in tier |
| Tier 1 Capital Ratio ? |
15.13%
-2.3% YoY
+4.4% QoQ
|
+0.29% |
14.84%
-0.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.27%
-14.2% YoY
+47.2% QoQ
|
-0.26% |
0.53%
+2.5% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
45% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.7%
+1.4pp YoY +0.9pp QoQ |
-4.7pp | 21.4% | 18.8% | 22.2% | 33% |
| Brokered Deposits |
3.5%
+3.5pp YoY +3.5pp QoQ |
-5.9pp | 9.5% | 7.7% | 8.5% | 38% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.0%
-1.2pp YoY -0.9pp QoQ |
-7.0pp | 14.0% | 10.2% | 12.5% | 28% |
| CRE |
50.6%
+1.5pp YoY +0.6pp QoQ |
+0.6pp | 50.0% | 34.2% | 41.4% | 53% |
| 1-4 Family |
29.9%
-1.6pp YoY +0.6pp QoQ |
+3.4pp | 26.4% | 50.0% | 31.3% | 65% |
| Consumer |
5.0%
+0.7pp YoY -0.4pp QoQ |
+0.3pp | 4.7% | 4.7% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.1%
-0.3pp YoY +0.6pp QoQ |
-0.5pp | 15.6% | 22.1% | 19.7% | 71% |
| Leverage Ratio |
10.8%
+1.2pp YoY +1.1pp QoQ |
-0.5pp | 11.3% | 12.9% | 12.6% | 56% |
| Total Capital Ratio |
16.1%
-0.6pp YoY +0.5pp QoQ |
-0.6pp | 16.7% | 23.2% | 20.8% | 69% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
147
-20 (-12.0%) YoY -6 (-3.9%) QoQ |
-167 | 313 | 2,433 | 482 | 21% |
| Assets per Employee ($) |
$9.8M
+37.2% YoY +24.0% QoQ |
-$659K | $10.5M | $7.6M | $8.8M | 64% |
| Branch Count |
15
0 YoY 0 QoQ |
-5 | 20 | 81 | 18 | 50% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.2pp YoY 0.0pp QoQ |
-0.7pp | 0.8% | 0.6% | 1.0% | 13% |
| Allowance Coverage |
8.76x
+165.7% YoY +25.2% QoQ |
-9.95x | 18.71x | 18.95x | 20.23x | 86% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 40% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.9%
-2.3pp YoY -3.8pp QoQ |
-3.7pp | 12.6% | 9.7% | 11.6% | 26% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY +0.1pp QoQ |
-0.5pp | 1.9% | 1.7% | 1.7% | 19% |
| Net Income ($, YTD) |
$5.9M
-3.9% YoY — QoQ |
-$13.4M | $19.2M | $259.3M | $40.4M | 16% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.