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Union Bank

$100M-$1B Specialty: Other AR FDIC cert 14597

Mena, AR

11 branches across AR

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 49 in AR.
  • Deposits +8.6% year over year ($625.9M on the books).
  • Delinquency rate 0.26%.
  • Return on assets 2.43%.
  • Efficiency ratio 51.27% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.56% 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 49 in AR
View $100M-$1B leaderboard (AR) →

Union Bank has 5 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

  • + Profitability Leader: Top 26.0% in tier
  • + Revenue Diversifier: Top 27.7% in tier
  • + Net Interest Margin 0.74% above tier average
  • + Efficiency Ratio 13.21% below tier average
  • + Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 44.9% in tier
Get updates when Union Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $710.2M
+9.0% YoY +0.0% QoQ
+$323.6M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
Top 12.2% in tier
Total Loans ? $479.2M
+8.7% YoY +2.3% QoQ
+$220.8M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
Top 13.5% in tier
Total Deposits ? $625.9M
+8.6% YoY -0.5% QoQ
+$299.1M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
Top 10.6% in tier
Return on Assets ? 2.43%
+9.9% YoY +3.3% QoQ
+1.11% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
Top 5.4% in tier
Net Interest Margin ? 4.72%
+5.7% YoY +1.1% QoQ
+0.74% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
Top 13.6% in tier
Efficiency Ratio ? 51.27%
-3.2% YoY -1.1% QoQ
-13.21% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
81%
Delinquency Rate ? 0.26%
-28.4% YoY +0.0% QoQ
-0.65% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
60%
Loan-to-Deposit Ratio ? 76.56%
+0.1% YoY +2.8% QoQ
-1.39% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
57%
Non-Interest-Bearing Deposit Share ? 29.12%
-0.5% YoY -3.7% QoQ
+7.09% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
79%
Nonperforming Asset Ratio ? 0.19%
-33.8% YoY +2.2% QoQ
-0.48% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
62%
Tier 1 Capital Ratio ? 19.50%
+3.9% YoY +3.8% QoQ
+3.60% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
Top 14.8% in tier
Non-Interest Income / Assets ? 0.39%
-2.8% YoY +113.8% QoQ
-0.18% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
84%

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 (AR) National Avg Tier Percentile
Noninterest-Bearing 29.1%
-0.2pp YoY
-1.1pp QoQ
 +7.0pp 22.1% 19.6% 22.2% 79%
Brokered Deposits n/a n/a 7.9% 7.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 5.6%
-1.0pp YoY
-0.3pp QoQ
 -5.9pp 11.6% 12.7% 12.5% 24%
CRE 23.9%
+0.7pp YoY
+0.2pp QoQ
 -15.7pp 39.5% 41.0% 41.4% 24%
1-4 Family 48.2%
+2.9pp YoY
+0.6pp QoQ
 +15.5pp 32.6% 28.1% 31.3% 80%
Consumer 8.7%
-1.8pp YoY
-0.3pp QoQ
 +4.6pp 4.1% 4.5% 5.0% 90%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio 19.5%
+0.7pp YoY
+0.7pp QoQ
 +0.7pp 18.8% 15.1% 19.7% 76%
Leverage Ratio 11.4%
0.0pp YoY
0.0pp QoQ
 -0.8pp 12.2% 11.9% 12.6% 56%
Total Capital Ratio 20.8%
+0.7pp YoY
+0.7pp QoQ
 +0.8pp 19.9% 16.3% 20.8% 76%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 120
+6 (+5.3%) YoY
+4 (+3.4%) QoQ
 +61 58 315 482 92%
Assets per Employee ($) $5.9M
+3.6% YoY
-3.3% QoQ
 -$1.6M $7.5M $6.7M $8.8M 32%
Branch Count 11
+1 (+10.0%) YoY
0 QoQ
 +6 4 25 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.4% 40%
Nonaccrual 0.2%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 0.9% 1.1% 1.0% 30%
Allowance Coverage 5.86x
+39.8% YoY
0.0% QoQ
 -18.29x 24.15x 4.69x 20.23x 73%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 70%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 22.2%
+1.2pp YoY
+0.4pp QoQ
 +10.0pp 12.2% 12.3% 11.6% 93%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 1.7% 2.0% 1.7% 35%
Net Income ($, YTD) $8.5M
+17.2% YoY
— QoQ
 +$5.9M $2.6M $16.0M $40.4M 98%

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 (2)

Profitability Leader

growth
#173 of 661 • Top 26.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.43%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Revenue Diversifier

growth
#184 of 661 • Top 27.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.39%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.43%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#334 of 742 • Bottom 44.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 19.50%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 76.56%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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 (9 metrics)

144
Return on Assets
profitability
Value: 2.43%
Peer Median: 1.32%
#144 of 2643 Top 5.4% in $100M-$1B
282
Total Deposits
size
Value: $625.86M
Peer Median: $326.73M
#282 of 2643 Top 10.6% in $100M-$1B
324
Total Assets
size
Value: $710.19M
Peer Median: $386.57M
#324 of 2643 Top 12.2% in $100M-$1B
358
Total Loans
size
Value: $479.16M
Peer Median: $258.35M
#358 of 2643 Top 13.5% in $100M-$1B
361
Net Interest Margin
profitability
Value: 4.72%
Peer Median: 3.99%
#361 of 2643 Top 13.6% in $100M-$1B
393
Tier 1 Capital Ratio
capital
Value: 19.50%
Peer Median: 15.91%
#393 of 2643 Top 14.8% in $100M-$1B
428
Non-Interest Income / Assets
revenue_mix
Value: 0.39%
Peer Median: 0.57%
#428 of 2643 Top 16.2% in $100M-$1B
515
Efficiency Ratio
profitability
Value: 51.27%
Peer Median: 64.48%
#515 of 2643 Top 19.4% in $100M-$1B
544
Non-Interest-Bearing Deposit Share
funding
Value: 29.12%
Peer Median: 22.03%
#544 of 2643 Top 20.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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