BlastPoint's Banking Scorecard

The Union Banking Company

under $100M Specialty: Other OH FDIC cert 15326

Designations: ✓ Community bank

West Mansfield, OH

2 branches across OH

537 banks in the under $100M peer group nationally 22 in OH

The Union Banking Company faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Net Interest Margin 1.97% below tier average
- ROA 0.74% below tier average
- Efficiency Ratio 6.44% above tier average
- Delinquency Rate 0.39% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$53.5M +3.5% YoY +3.6% QoQ	-$8.8M	$62.3M -0.5% YoY	$36.0B +10.6% YoY	$6.2B +9.0% YoY	36%
Total Loans ?	$8.2M +19.1% YoY +17.8% QoQ	-$26.1M	$34.3M -1.5% YoY	$15.8B +12.8% YoY	$3.2B +10.7% YoY	Bottom 8.9% in tier
Total Deposits ?	$44.7M +3.3% YoY +6.3% QoQ	-$7.1M	$51.8M -0.6% YoY	$26.1B +8.5% YoY	$4.8B +8.0% YoY	36%
Return on Assets ?	0.11% -62.7% YoY -41.8% QoQ	-0.74%	0.86% -3.6% YoY	1.13% +9.6% YoY	1.24% +13.1% YoY	17%
Net Interest Margin ?	1.90% +3.2% YoY +3.9% QoQ	-1.97%	3.87% +2.7% YoY	3.59% +7.5% YoY	3.89% +5.7% YoY	Bottom 2.6% in tier
Efficiency Ratio ?	94.07% +12.4% YoY +5.1% QoQ	+6.44%	87.63% +2.3% YoY	72.32% -4.0% YoY	66.84% -3.8% YoY	17%
Delinquency Rate ?	1.75% +101.6% YoY +114.5% QoQ	+0.39%	1.36% +33.7% YoY	0.66% +14.5% YoY	0.95% +18.8% YoY	24%
Loan-to-Deposit Ratio ?	18.38% +15.3% YoY +10.8% QoQ	-45.72%	64.11% -0.9% YoY	79.14% +0.8% YoY	76.69% +0.9% YoY	Top 5.4% in tier
Non-Interest-Bearing Deposit Share ?	13.54% -0.8% YoY -2.2% QoQ	-10.25%	23.79% +0.5% YoY	18.19% -0.4% YoY	22.01% -1.1% YoY	20%
Nonperforming Asset Ratio ?	0.27% +131.8% YoY +143.9% QoQ	-0.50%	0.77% +28.7% YoY	0.44% +14.5% YoY	0.66% +19.3% YoY	49%
Tier 1 Capital Ratio ?	33.99% -5.6% YoY -8.7% QoQ	+7.21%	26.77% +2.0% YoY	19.42% +3.1% YoY	17.06% +0.8% YoY	Top 13.4% in tier
Non-Interest Income / Assets ?	0.03% -3.4% YoY -75.9% QoQ	-0.64%	0.67% +1.6% YoY	0.57% -2.5% YoY	0.32% +4.0% YoY	24%

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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 (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).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (2 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 18.38%

Peer Median: 64.11%

#30 of 537 Top 5.4% in under $100M

Tier 1 Capital Ratio

capital

Value: 33.99%

Peer Median: 26.77%

#73 of 537 Top 13.4% in under $100M

Top Weaknesses (7 metrics)

524

Net Interest Margin

profitability

Value: 1.90%

Peer Median: 3.87%

#524 of 537 Bottom 2.6% in under $100M

490

Total Loans

size

Value: $8.22M

Peer Median: $34.29M

#490 of 537 Bottom 8.9% in under $100M

449

Efficiency Ratio

profitability

Value: 94.07%

Peer Median: 87.63%

#449 of 537 Bottom 16.6% in under $100M

449

Return on Assets

profitability

Value: 0.11%

Peer Median: 0.86%

#449 of 537 Bottom 16.6% in under $100M

431

Non-Interest-Bearing Deposit Share

funding

Value: 13.54%

Peer Median: 23.79%

#431 of 537 Bottom 19.9% in under $100M

396

Delinquency Rate

credit_quality

Value: 1.75%

Peer Median: 1.36%

#396 of 517 Bottom 23.6% in under $100M

408

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.67%

#408 of 537 Bottom 24.2% in under $100M