BlastPoint's Banking Scorecard

Union Bank

$100M-$1B Specialty: Commercial MI FDIC cert 14722

Grand Rapids, MI

9 branches across MI

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 47 in MI.
Deposits +4.6% year over year ($313.5M on the books).
Delinquency rate 1.09%.
Return on assets 0.75%.
Efficiency ratio 75.51% vs a 64.48% peer average.
Loan-to-deposit ratio 100.57% 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 47 in MI

View $100M-$1B leaderboard (MI) →

Union Bank has 2 strengths but faces 5 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

+ Non-Interest Income / Assets 0.06% below tier average
+ Net Interest Margin 0.34% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 27.1% in tier
- Loan-to-Deposit Ratio 22.62% above tier average
- ROA 0.57% below tier average
- Efficiency Ratio 11.03% above tier average
- Delinquency Rate 0.17% above tier average

Get updates when Union Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$396.7M +4.0% YoY +4.1% QoQ	+$10.1M	$386.6M +1.2% YoY	$1.0B +6.5% YoY	$6.3B +7.7% YoY	61%
Total Loans ?	$315.3M +7.4% YoY +1.5% QoQ	+$56.9M	$258.3M +1.7% YoY	$767.2M +9.2% YoY	$3.2B +9.4% YoY	70%
Total Deposits ?	$313.5M +4.6% YoY +3.0% QoQ	-$13.3M	$326.7M +0.7% YoY	$806.0M +5.9% YoY	$4.9B +7.3% YoY	57%
Return on Assets ?	0.75% +41.1% YoY +222.5% QoQ	-0.57%	1.32% +10.8% YoY	1.18% +20.1% YoY	1.30% +12.1% YoY	21%
Net Interest Margin ?	4.33% +10.3% YoY +1.0% QoQ	+0.34%	3.99% +5.0% YoY	4.06% +4.7% YoY	3.95% +4.9% YoY	72%
Efficiency Ratio ?	75.51% -10.9% YoY -3.8% QoQ	+11.03%	64.48% -3.2% YoY	65.90% -5.4% YoY	70.05% +2.5% YoY	20%
Delinquency Rate ?	1.09% -47.2% YoY -1.6% QoQ	+0.17%	0.92% +15.7% YoY	0.85% +32.2% YoY	0.98% +16.3% YoY	26%
Loan-to-Deposit Ratio ?	100.57% +2.7% YoY -1.5% QoQ	+22.62%	77.95% +1.0% YoY	80.02% +3.0% YoY	79.03% +2.3% YoY	Bottom 9.3% in tier
Non-Interest-Bearing Deposit Share ?	29.42% +4.0% YoY +8.9% QoQ	+7.39%	22.03% -0.6% YoY	25.55% -0.4% YoY	21.98% -0.6% YoY	80%
Nonperforming Asset Ratio ?	0.86% -45.4% YoY -4.1% QoQ	+0.19%	0.67% +16.4% YoY	0.65% +27.6% YoY	0.69% +15.8% YoY	24%
Tier 1 Capital Ratio ?	9.77% +5.1% YoY +2.4% QoQ	-6.14%	15.91% +1.4% YoY	20.80% -0.9% YoY	17.09% +0.8% YoY	Bottom 7.8% in tier
Non-Interest Income / Assets ?	0.51% -11.4% YoY +93.0% QoQ	-0.06%	0.57% +7.6% YoY	0.38% +3.3% YoY	0.66% +5.2% YoY	Top 9.5% in tier

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 (MI)	National Avg	Tier Percentile
Noninterest-Bearing	29.4% +1.1pp YoY +2.4pp QoQ	+7.3pp	22.1%	25.9%	22.2%	80%
Brokered Deposits	n/a	n/a	7.9%	12.3%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
C&I	10.4% +0.2pp YoY +0.6pp QoQ	-1.1pp	11.6%	12.8%	12.5%	55%
CRE	59.7% -2.1pp YoY -1.9pp QoQ	+20.2pp	39.5%	45.9%	41.4%	84%
1-4 Family	18.5% +0.6pp YoY +0.4pp QoQ	-14.1pp	32.6%	33.6%	31.3%	27%
Consumer	2.3% +1.1pp YoY +0.1pp QoQ	-1.8pp	4.1%	4.6%	5.0%	52%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
CET1 Ratio	9.8% +0.5pp YoY +0.2pp QoQ	-9.1pp	18.8%	26.9%	19.7%	1%
Leverage Ratio	8.8% +0.4pp YoY +0.3pp QoQ	-3.3pp	12.2%	12.3%	12.6%	10%
Total Capital Ratio	11.0% +0.6pp YoY +0.2pp QoQ	-9.0pp	19.9%	27.9%	20.8%	2%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Full-Time Employees	82 -16 (-16.3%) YoY -14 (-14.6%) QoQ	+23	58	134	482	78%
Assets per Employee ($)	$4.8M +24.3% YoY +21.8% QoQ	-$2.7M	$7.5M	$6.8M	$8.8M	12%
Branch Count	9 0 YoY 0 QoQ	+4	4	9	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	1.1% -0.6pp YoY 0.0pp QoQ	+0.2pp	0.9%	0.8%	1.0%	73%
Allowance Coverage	1.20x +111.9% YoY -4.2% QoQ	-22.95x	24.15x	6.79x	20.23x	32%
Net Charge-off Rate (YTD)	-0.0% -0.3pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	24%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
ROE	9.0% +2.1pp YoY +6.2pp QoQ	-3.2pp	12.2%	11.7%	11.6%	31%
Cost of Funds (YTD)	1.7% 0.0pp YoY +0.1pp QoQ	0.0pp	1.7%	1.5%	1.7%	50%
Net Income ($, YTD)	$1.5M +46.4% YoY — QoQ	-$1.1M	$2.6M	$7.3M	$40.4M	41%

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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 (1)

Capital Thin

risk

#180 of 661 • Bottom 27.1% 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: 9.77%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | 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 (2 metrics)

252

Non-Interest Income / Assets

revenue_mix

Value: 0.51%

Peer Median: 0.57%

#252 of 2643 Top 9.5% in $100M-$1B

522

Non-Interest-Bearing Deposit Share

funding

Value: 29.42%

Peer Median: 22.03%

#522 of 2643 Top 19.7% in $100M-$1B

Top Weaknesses (5 metrics)

2437

Tier 1 Capital Ratio

capital

Value: 9.77%

Peer Median: 15.91%

#2437 of 2643 Bottom 7.8% in $100M-$1B

2397

Loan-to-Deposit Ratio

liquidity

Value: 100.57%

Peer Median: 77.95%

#2397 of 2643 Bottom 9.3% in $100M-$1B

2125

Efficiency Ratio

profitability

Value: 75.51%

Peer Median: 64.48%

#2125 of 2643 Bottom 19.6% in $100M-$1B

2084

Return on Assets

profitability

Value: 0.75%

Peer Median: 1.32%

#2084 of 2643 Bottom 21.2% in $100M-$1B

2006

Nonperforming Asset Ratio

credit_quality

Value: 0.86%

Peer Median: 0.67%

#2006 of 2643 Bottom 24.1% in $100M-$1B