BlastPoint's Banking Scorecard
Union State Bank
Designations: ✓ Community bank
Olsburg, KS
2 branches across KS
Union State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.36% below tier average
- + Nonperforming Asset Ratio 0.77% below tier average
- + ROA 0.47% above tier average
- + Efficiency Ratio 28.69% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.35% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$43.2M
+6.7% YoY
+3.2% QoQ
|
-$19.1M |
$62.3M
-0.5% YoY
|
$511.5M
+7.3% YoY
|
$6.2B
+9.0% YoY
|
25% |
| Total Loans ? |
$18.4M
+14.3% YoY
-5.3% QoQ
|
-$15.8M |
$34.3M
-1.5% YoY
|
$340.0M
+8.8% YoY
|
$3.2B
+10.7% YoY
|
25% |
| Total Deposits ? |
$38.0M
+5.9% YoY
+3.3% QoQ
|
-$13.8M |
$51.8M
-0.6% YoY
|
$426.3M
+7.3% YoY
|
$4.8B
+8.0% YoY
|
28% |
| Return on Assets ? |
1.33%
-0.2% YoY
+9.8% QoQ
|
+0.47% |
0.86%
-3.6% YoY
|
1.43%
+17.3% YoY
|
1.24%
+13.1% YoY
|
69% |
| Net Interest Margin ? |
3.52%
+1.6% YoY
+2.8% QoQ
|
-0.35% |
3.87%
+2.7% YoY
|
3.93%
+4.6% YoY
|
3.89%
+5.7% YoY
|
32% |
| Efficiency Ratio ? |
58.94%
+2.0% YoY
-4.4% QoQ
|
-28.69% |
87.63%
+2.3% YoY
|
61.28%
-4.6% YoY
|
66.84%
-3.8% YoY
|
76% |
| Delinquency Rate ? | 0.00% | -1.36% |
1.36%
+33.7% YoY
|
0.75%
+8.4% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
48.49%
+7.9% YoY
-8.4% QoQ
|
-15.62% |
64.11%
-0.9% YoY
|
71.71%
+1.1% YoY
|
76.69%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
21.70%
-11.4% YoY
-0.2% QoQ
|
-2.08% |
23.79%
+0.5% YoY
|
22.79%
-1.9% YoY
|
22.01%
-1.1% YoY
|
44% |
| Nonperforming Asset Ratio ? | 0.00% | -0.77% |
0.77%
+28.7% YoY
|
0.49%
+9.8% YoY
|
0.66%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
26.36%
-3.6% YoY
+2.4% QoQ
|
-0.41% |
26.77%
+2.0% YoY
|
18.00%
-0.6% YoY
|
17.06%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.02%
-16.7% YoY
-75.0% QoQ
|
-0.65% |
0.67%
+1.6% YoY
|
0.28%
-2.0% YoY
|
0.32%
+4.0% YoY
|
Bottom 12.5% in tier |
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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.