BlastPoint's Banking Scorecard
Union State Bank
Designations: ✓ Community bank
Olsburg, KS
2 branches across KS
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 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +11.8% year over year ($39.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.46%.
- Efficiency ratio 54.09% vs a 119.40% peer average.
- Loan-to-deposit ratio 47.49% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Union State Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.46% above tier average
- + Efficiency Ratio 65.30% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 23.47% below tier average
- - Net Interest Margin 0.40% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$44.3M
+11.6% YoY
+2.5% QoQ
|
-$18.2M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
25% |
| Total Loans ? |
$18.6M
+14.7% YoY
+0.6% QoQ
|
-$16.3M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
25% |
| Total Deposits ? |
$39.1M
+11.8% YoY
+2.7% QoQ
|
-$12.6M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
1.46%
+3.5% YoY
+10.2% QoQ
|
+0.46% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
73% |
| Net Interest Margin ? |
3.51%
+0.8% YoY
-0.4% QoQ
|
-0.40% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
29% |
| Efficiency Ratio ? |
54.09%
-2.1% YoY
-8.2% QoQ
|
-65.30% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
85% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
47.49%
+2.5% YoY
-2.1% QoQ
|
-26.72% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
0.02%
-99.9% YoY
-99.9% QoQ
|
-23.47% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 5.0% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
28.19%
-3.8% YoY
+6.9% QoQ
|
+1.06% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.03%
-21.0% YoY
+83.0% QoQ
|
-1.35% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 11.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
0.0%
-21.6pp YoY -21.7pp QoQ |
-24.6pp | 24.6% | 22.3% | 22.2% | 0% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.8%
-4.0pp YoY -0.8pp QoQ |
+0.4pp | 13.4% | 12.6% | 12.5% | 64% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
6.5%
+3.3pp YoY -0.3pp QoQ |
-28.5pp | 35.0% | 26.7% | 31.3% | 16% |
| Consumer |
8.0%
-0.7pp YoY +0.1pp QoQ |
+0.3pp | 7.7% | 4.6% | 5.0% | 69% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
28.2%
-1.1pp YoY +1.8pp QoQ |
-10.5pp | 38.7% | 23.3% | 19.7% | 70% |
| Leverage Ratio |
12.7%
-0.3pp YoY -0.2pp QoQ |
-5.0pp | 17.7% | 12.6% | 12.6% | 49% |
| Total Capital Ratio |
30.8%
+0.2pp YoY +3.2pp QoQ |
-8.9pp | 39.7% | 24.4% | 20.8% | 72% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
0 YoY 0 QoQ |
-4 | 12 | 70 | 482 | 29% |
| Assets per Employee ($) |
$5.5M
+11.6% YoY +2.5% QoQ |
-$657K | $6.2M | $7.1M | $8.8M | 43% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 6 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 22.44x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.3%
0.0pp YoY -0.3pp QoQ |
-0.5pp | 0.2% | 0.1% | 0.2% | 3% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.6%
-0.1pp YoY +1.2pp QoQ |
+6.2pp | 6.4% | 14.3% | 11.6% | 75% |
| Cost of Funds (YTD) |
1.6%
0.0pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.6% | 1.7% | 61% |
| Net Income ($, YTD) |
$315,000
+12.9% YoY — QoQ |
-$3K | $317,817 | $3.7M | $40.4M | 54% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.