BlastPoint's Banking Scorecard
The Union Banking Company
Designations: ✓ Community bank
West Mansfield, OH
2 branches across OH
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 24 in OH.
- Deposits +8.1% year over year ($45.4M on the books).
- Delinquency rate 0.68%.
- Return on assets 0.24%.
- Efficiency ratio 87.03% vs a 119.40% peer average.
- Loan-to-deposit ratio 18.48% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Union Banking Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 32.37% below tier average
- + Delinquency Rate 0.80% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.94% below tier average
- - ROA 0.76% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$54.5M
+8.5% YoY
+1.9% QoQ
|
-$7.9M |
$62.4M
-0.0% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
37% |
| Total Loans ? |
$8.4M
+39.1% YoY
+2.0% QoQ
|
-$26.5M |
$34.9M
-0.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 9.9% in tier |
| Total Deposits ? |
$45.4M
+8.1% YoY
+1.5% QoQ
|
-$6.2M |
$51.6M
-0.2% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
37% |
| Return on Assets ? |
0.24%
-18.6% YoY
+110.7% QoQ
|
-0.76% |
1.00%
+3.5% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
18% |
| Net Interest Margin ? |
1.98%
+6.2% YoY
+4.1% QoQ
|
-1.94% |
3.91%
+2.3% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 3.4% in tier |
| Efficiency Ratio ? |
87.03%
+3.1% YoY
-7.5% QoQ
|
-32.37% |
119.40%
+49.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
0.68%
-30.5% YoY
-61.2% QoQ
|
-0.80% |
1.48%
+31.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
18.48%
+28.7% YoY
+0.5% QoQ
|
-55.73% |
74.21%
+12.6% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 5.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.65%
+34.2% YoY
+30.4% QoQ
|
-5.84% |
23.49%
+0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.10%
-10.9% YoY
-61.2% QoQ
|
-0.73% |
0.84%
+23.0% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
33.90%
-11.3% YoY
-0.3% QoQ
|
+6.77% |
27.13%
+3.0% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
Top 13.4% in tier |
| Non-Interest Income / Assets ? |
0.06%
-7.8% YoY
+96.3% QoQ
|
-1.32% |
1.38%
+6.3% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
23% |
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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.7%
+4.5pp YoY +4.1pp QoQ |
-7.0pp | 24.6% | 18.8% | 22.2% | 27% |
| Brokered Deposits |
0.7%
0.0pp QoQ |
-9.0pp | 9.8% | 7.7% | 8.5% | 15% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.7%
-1.0pp YoY -0.1pp QoQ |
-12.7pp | 13.4% | 10.2% | 12.5% | 2% |
| CRE | n/a | n/a | 25.2% | 34.2% | 41.4% | n/a |
| 1-4 Family |
63.4%
-9.1pp YoY +0.2pp QoQ |
+28.4pp | 35.0% | 50.0% | 31.3% | 83% |
| Consumer |
1.2%
-1.4pp YoY -0.4pp QoQ |
-6.4pp | 7.7% | 4.7% | 5.0% | 14% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
33.9%
-4.3pp YoY -0.1pp QoQ |
-4.8pp | 38.7% | 22.1% | 19.7% | 76% |
| Leverage Ratio |
10.8%
-0.4pp YoY -0.4pp QoQ |
-6.9pp | 17.7% | 12.9% | 12.6% | 27% |
| Total Capital Ratio |
34.3%
-4.4pp YoY -0.1pp QoQ |
-5.3pp | 39.7% | 23.2% | 20.8% | 76% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
0 YoY -1 (-10.0%) QoQ |
-3 | 12 | 2,433 | 482 | 36% |
| Assets per Employee ($) |
$6.1M
+8.5% YoY +13.2% QoQ |
-$130K | $6.2M | $7.6M | $8.8M | 51% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 81 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.7pp YoY -1.1pp QoQ |
-0.7pp | 1.0% | 0.2% | 0.4% | 38% |
| Nonaccrual |
0.4%
0.0pp QoQ |
-1.3pp | 1.7% | 0.6% | 1.0% | 36% |
| Allowance Coverage |
1.47x
+10.1% YoY +172.1% QoQ |
-4.94x | 6.41x | 18.95x | 20.23x | 52% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.5%
-306.4pp YoY +5.4pp QoQ |
+4.1pp | 6.4% | 9.7% | 11.6% | 65% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.7% | 1.7% | 74% |
| Net Income ($, YTD) |
$64,000
-14.7% YoY — QoQ |
-$254K | $317,817 | $259.3M | $40.4M | 19% |
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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.