BlastPoint's Banking Scorecard

United Bank of Union

$100M-$1B Specialty: Commercial MO FDIC cert 14334

Union, MO

3 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

United Bank of Union has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.08% above tier average
+ Net Interest Margin 0.08% above tier average
+ Efficiency Ratio 2.01% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 17.0% in tier
- Liquidity Strain: Bottom 36.5% in tier
- Delinquency Rate 1.60% above tier average
- Nonperforming Asset Ratio 1.40% above tier average

Get updates when United Bank of Union releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$583.3M +2.9% YoY +3.8% QoQ	+$197.2M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	79%
Total Loans ?	$477.6M +4.8% YoY +5.6% QoQ	+$221.9M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Top 13.0% in tier
Total Deposits ?	$497.1M +2.2% YoY +7.4% QoQ	+$169.1M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	79%
Return on Assets ?	1.35% +14.3% YoY -1.1% QoQ	+0.08%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	59%
Net Interest Margin ?	4.01% +3.5% YoY +0.6% QoQ	+0.08%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	58%
Efficiency Ratio ?	63.28% -2.3% YoY +2.4% QoQ	-2.01%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	50%
Delinquency Rate ?	2.49% -10.9% YoY -3.6% QoQ	+1.60%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Bottom 8.3% in tier
Loan-to-Deposit Ratio ?	96.09% +2.5% YoY -1.7% QoQ	+19.45%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	Bottom 13.8% in tier
Non-Interest-Bearing Deposit Share ?	12.89% +5.9% YoY +1.4% QoQ	-9.13%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	17%
Nonperforming Asset Ratio ?	2.04% -9.3% YoY -1.9% QoQ	+1.40%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Bottom 6.5% in tier
Tier 1 Capital Ratio ?	9.37% +3.4% YoY -1.6% QoQ	-6.46%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Bottom 3.1% in tier
Non-Interest Income / Assets ?	0.10% +7.1% YoY -77.2% QoQ	-0.18%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	51%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#114 of 666 • Bottom 17.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.37%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#236 of 643 • Bottom 36.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.09%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

346

Total Loans

size

Value: $477.61M

Peer Median: $255.72M

#346 of 2664 Top 13.0% in $100M-$1B

553

Total Deposits

size

Value: $497.06M

Peer Median: $327.97M

#553 of 2664 Top 20.7% in $100M-$1B

554

Total Assets

size

Value: $583.32M

Peer Median: $386.08M

#554 of 2664 Top 20.8% in $100M-$1B

Top Weaknesses (5 metrics)

2582

Tier 1 Capital Ratio

capital

Value: 9.37%

Peer Median: 15.83%

#2582 of 2664 Bottom 3.1% in $100M-$1B

2492

Nonperforming Asset Ratio

credit_quality

Value: 2.04%

Peer Median: 0.64%

#2492 of 2664 Bottom 6.5% in $100M-$1B

2435

Delinquency Rate

credit_quality

Value: 2.49%

Peer Median: 0.89%

#2435 of 2654 Bottom 8.3% in $100M-$1B

2298

Loan-to-Deposit Ratio

liquidity

Value: 96.09%

Peer Median: 76.64%

#2298 of 2664 Bottom 13.8% in $100M-$1B

2209

Non-Interest-Bearing Deposit Share

funding

Value: 12.89%

Peer Median: 22.02%

#2209 of 2664 Bottom 17.1% in $100M-$1B