BlastPoint's Banking Scorecard

United Bank of Union

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

Union, MO

3 branches across MO

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
Deposits +4.3% year over year ($491.1M on the books).
Delinquency rate 2.39%.
Return on assets 1.46%.
Efficiency ratio 61.59% vs a 64.48% peer average.
Loan-to-deposit ratio 96.90% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (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 0.14% above tier average
+ Net Interest Margin 0.10% above tier average
+ Efficiency Ratio 2.89% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 17.4% in tier
- Liquidity Strain: Bottom 41.7% in tier
- Delinquency Rate 1.47% above tier average
- Nonperforming Asset Ratio 1.30% above tier average

Get updates when United Bank of Union releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$577.5M +2.7% YoY -1.0% QoQ	+$191.0M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	79%
Total Loans ?	$475.9M +5.4% YoY -0.4% QoQ	+$217.5M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	Top 13.7% in tier
Total Deposits ?	$491.1M +4.3% YoY -1.2% QoQ	+$164.3M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	1.46% +15.8% YoY +8.1% QoQ	+0.14%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	63%
Net Interest Margin ?	4.09% +3.9% YoY +1.9% QoQ	+0.10%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	58%
Efficiency Ratio ?	61.59% -3.0% YoY -2.7% QoQ	-2.89%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	52%
Delinquency Rate ?	2.39% -14.9% YoY -3.8% QoQ	+1.47%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	Bottom 9.4% in tier
Loan-to-Deposit Ratio ?	96.90% +1.1% YoY +0.9% QoQ	+18.95%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	Bottom 13.8% in tier
Non-Interest-Bearing Deposit Share ?	13.41% +3.3% YoY +4.0% QoQ	-8.62%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	19%
Nonperforming Asset Ratio ?	1.97% -14.1% YoY -3.2% QoQ	+1.30%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	Bottom 7.5% in tier
Tier 1 Capital Ratio ?	9.65% +2.3% YoY +3.0% QoQ	-6.26%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	Bottom 6.6% in tier
Non-Interest Income / Assets ?	0.21% +6.2% YoY +112.8% QoQ	-0.36%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	53%

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 (MO)	National Avg	Tier Percentile
Noninterest-Bearing	13.4% +0.4pp YoY +0.5pp QoQ	-8.7pp	22.1%	20.9%	22.2%	18%
Brokered Deposits	4.2% +2.0pp YoY +1.0pp QoQ	-3.7pp	7.9%	7.4%	8.5%	46%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	18.8% +0.1pp YoY +0.6pp QoQ	+7.2pp	11.6%	12.3%	12.5%	86%
CRE	60.0% +2.3pp YoY -0.6pp QoQ	+20.4pp	39.5%	36.8%	41.4%	84%
1-4 Family	21.1% -2.0pp YoY 0.0pp QoQ	-11.5pp	32.6%	31.9%	31.3%	32%
Consumer	0.7% -0.1pp YoY 0.0pp QoQ	-3.4pp	4.1%	4.1%	5.0%	22%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	18.5%	19.7%	n/a
Leverage Ratio	9.6% +0.2pp YoY +0.3pp QoQ	-2.5pp	12.2%	11.6%	12.6%	24%
Total Capital Ratio	n/a	n/a	19.9%	19.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	84 +1 (+1.2%) YoY +1 (+1.2%) QoQ	+25	58	162	482	79%
Assets per Employee ($)	$6.9M +1.5% YoY -2.2% QoQ	-$643K	$7.5M	$8.0M	$8.8M	50%
Branch Count	3 0 YoY 0 QoQ	-2	4	10	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	2.4% -0.4pp YoY -0.1pp QoQ	+1.5pp	0.9%	0.8%	1.0%	91%
Allowance Coverage	0.64x +23.1% YoY +8.9% QoQ	-23.51x	24.15x	10.47x	20.23x	15%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.3%	0.2%	8%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	17.8% +0.6pp YoY +1.2pp QoQ	+5.6pp	12.2%	14.3%	11.6%	81%
Cost of Funds (YTD)	2.1% -0.1pp YoY -0.1pp QoQ	+0.4pp	1.7%	1.8%	1.7%	77%
Net Income ($, YTD)	$4.2M +17.4% YoY — QoQ	+$1.6M	$2.6M	$11.3M	$40.4M	82%

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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

#116 of 661 • Bottom 17.4% 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: 9.65%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Liquidity Strain

risk

#289 of 691 • Bottom 41.7% 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: 96.90%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

363

Total Loans

size

Value: $475.88M

Peer Median: $258.35M

#363 of 2643 Top 13.7% in $100M-$1B

557

Total Deposits

size

Value: $491.08M

Peer Median: $326.73M

#557 of 2643 Top 21.0% in $100M-$1B

563

Total Assets

size

Value: $577.55M

Peer Median: $386.57M

#563 of 2643 Top 21.3% in $100M-$1B

Top Weaknesses (5 metrics)

2469

Tier 1 Capital Ratio

capital

Value: 9.65%

Peer Median: 15.91%

#2469 of 2643 Bottom 6.6% in $100M-$1B

2447

Nonperforming Asset Ratio

credit_quality

Value: 1.97%

Peer Median: 0.67%

#2447 of 2643 Bottom 7.5% in $100M-$1B

2386

Delinquency Rate

credit_quality

Value: 2.39%

Peer Median: 0.92%

#2386 of 2633 Bottom 9.4% in $100M-$1B

2278

Loan-to-Deposit Ratio

liquidity

Value: 96.90%

Peer Median: 77.95%

#2278 of 2643 Bottom 13.8% in $100M-$1B

2151

Non-Interest-Bearing Deposit Share

funding

Value: 13.41%

Peer Median: 22.03%

#2151 of 2643 Bottom 18.7% in $100M-$1B