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Union State Bank

$100M-$1B Specialty: Other WI FDIC cert 14560

West Salem, WI

2 branches across WI

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 110 in WI.
  • Deposits +4.5% year over year ($97.4M on the books).
  • Delinquency rate 0.14%.
  • Return on assets 1.34%.
  • Efficiency ratio 57.94% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.62% 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 110 in WI
View $100M-$1B leaderboard (WI) →

Union State Bank has 2 strengths but faces 1 concern

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

  • + Efficiency Ratio 6.54% below tier average
  • + Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.19% below tier average
Get updates when Union State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $117.6M
+4.1% YoY -1.2% QoQ
-$268.9M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
Bottom 5.0% in tier
Total Loans ? $77.5M
+7.3% YoY +4.9% QoQ
-$180.8M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
Bottom 9.4% in tier
Total Deposits ? $97.4M
+4.5% YoY -1.7% QoQ
-$229.4M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
Bottom 4.9% in tier
Return on Assets ? 1.34%
+76.2% YoY -4.7% QoQ
+0.02% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
56%
Net Interest Margin ? 3.80%
+14.7% YoY +2.5% QoQ
-0.19% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
42%
Efficiency Ratio ? 57.94%
-19.6% YoY -0.1% QoQ
-6.54% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
64%
Delinquency Rate ? 0.14%
-58.4% YoY -8.0% QoQ
-0.78% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
70%
Loan-to-Deposit Ratio ? 79.62%
+2.6% YoY +6.6% QoQ
+1.67% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
50%
Non-Interest-Bearing Deposit Share ? 19.07%
+6.3% YoY +3.2% QoQ
-2.96% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
41%
Nonperforming Asset Ratio ? 0.09%
-57.1% YoY -2.4% QoQ
-0.58% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
72%
Tier 1 Capital Ratio ? 12.15%
+5.4% YoY +6.6% QoQ
-3.75% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
38%
Non-Interest Income / Assets ? 0.21%
+8.6% YoY +110.2% QoQ
-0.36% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
52%

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 (WI) National Avg Tier Percentile
Noninterest-Bearing 19.1%
+1.1pp YoY
+0.6pp QoQ
 -3.1pp 22.1% 18.9% 22.2% 40%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -7.9pp 7.9% 9.2% 8.5% 4%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 11.2%
-0.3pp YoY
+1.6pp QoQ
 -0.4pp 11.6% 10.5% 12.5% 60%
CRE n/a n/a 39.5% 46.4% 41.4% n/a
1-4 Family 45.3%
+1.8pp YoY
-0.2pp QoQ
 +12.7pp 32.6% 32.3% 31.3% 77%
Consumer 4.1%
-0.6pp YoY
-0.3pp QoQ
 0.0pp 4.1% 2.6% 5.0% 71%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.5% 19.7% n/a
Leverage Ratio 12.2%
+0.6pp YoY
+0.8pp QoQ
 0.0pp 12.2% 12.6% 12.6% 66%
Total Capital Ratio n/a n/a 19.9% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 16
-1 (-5.9%) YoY
0 QoQ
 -43 58 134 482 5%
Assets per Employee ($) $7.4M
+10.6% YoY
-1.2% QoQ
 -$167K $7.5M $8.2M $8.8M 58%
Branch Count 2
0 YoY
0 QoQ
 -3 4 9 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
-0.2pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.9% 1.0% 24%
Allowance Coverage 6.42x
+106.2% YoY
+6.2% QoQ
 -17.74x 24.15x 56.89x 20.23x 75%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.0% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 13.6%
+4.8pp YoY
-1.1pp QoQ
 +1.4pp 12.2% 11.8% 11.6% 59%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 60%
Net Income ($, YTD) $811,000
+86.4% YoY
— QoQ
 -$1.7M $2.6M $7.9M $40.4M 20%

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 (0)

No matched concern signatures this quarter

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2514
Total Deposits
size
Value: $97.36M
Peer Median: $326.73M
#2514 of 2643 Bottom 4.9% in $100M-$1B
2513
Total Assets
size
Value: $117.63M
Peer Median: $386.57M
#2513 of 2643 Bottom 5.0% in $100M-$1B
2395
Total Loans
size
Value: $77.52M
Peer Median: $258.35M
#2395 of 2643 Bottom 9.4% in $100M-$1B
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