BlastPoint's Banking Scorecard
The Union Bank Company
Designations: ✓ Community bank
Columbus Grove, OH
15 branches across OH
The Union Bank Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.26% above tier average
- + Delinquency Rate 0.74% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Efficiency Ratio 2.67% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+1.5% YoY
+1.9% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
18% |
| Total Loans ? |
$844.3M
+8.7% YoY
+3.4% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
19% |
| Total Deposits ? |
$1.1B
+0.9% YoY
+2.7% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
1.29%
+33.4% YoY
+23.6% QoQ
|
-0.07% |
1.37%
+19.6% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
56% |
| Net Interest Margin ? |
4.08%
+12.0% YoY
+6.2% QoQ
|
+0.26% |
3.82%
+6.9% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
63.73%
-8.8% YoY
-8.0% QoQ
|
+2.67% |
61.06%
-4.6% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
38% |
| Delinquency Rate ? |
0.15%
-47.2% YoY
-25.2% QoQ
|
-0.74% |
0.89%
+14.1% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
77.71%
+7.7% YoY
+0.6% QoQ
|
-6.50% |
84.20%
+0.3% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
15.83%
+2.5% YoY
-6.6% QoQ
|
-5.46% |
21.29%
-2.5% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.10%
-70.8% YoY
-64.8% QoQ
|
-0.57% |
0.67%
+15.6% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
Top 14.8% in tier |
| Tier 1 Capital Ratio ? |
14.49%
-5.9% YoY
-6.2% QoQ
|
-0.67% |
15.16%
+2.0% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.18%
+14.4% YoY
-70.3% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
66% |
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Signature Analysis
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Metric Rankings
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