BlastPoint's Banking Scorecard
Union State Bank
Clay Center, KS
4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
- Deposits +4.5% year over year ($175.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.87%.
- Efficiency ratio 63.77% vs a 64.48% peer average.
- Loan-to-deposit ratio 65.13% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Union State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 0.71% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 36.5% in tier
- - ROA 0.45% below tier average
- - Net Interest Margin 0.70% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$206.2M
+3.6% YoY
+3.6% QoQ
|
-$180.4M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
28% |
| Total Loans ? |
$114.1M
-5.4% YoY
+0.4% QoQ
|
-$144.2M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
24% |
| Total Deposits ? |
$175.2M
+4.5% YoY
+4.0% QoQ
|
-$151.5M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
28% |
| Return on Assets ? |
0.87%
+28.1% YoY
-3.2% QoQ
|
-0.45% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
27% |
| Net Interest Margin ? |
3.28%
+10.7% YoY
-0.9% QoQ
|
-0.70% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
63.77%
-7.5% YoY
+0.8% QoQ
|
-0.71% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
65.13%
-9.5% YoY
-3.5% QoQ
|
-12.82% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
15.27%
+4.0% YoY
-5.1% QoQ
|
-6.76% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
10.29%
+5.3% YoY
+2.5% QoQ
|
-5.62% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 14.2% in tier |
| Non-Interest Income / Assets ? |
0.10%
-5.8% YoY
+111.8% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
18% |
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 |
15.3%
+0.6pp YoY -0.8pp QoQ |
-6.9pp | 22.1% | 22.3% | 22.2% | 25% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
8.6%
+0.4pp YoY +0.2pp QoQ |
-2.9pp | 11.6% | 12.6% | 12.5% | 44% |
| CRE |
16.1%
-2.2pp YoY +0.3pp QoQ |
-23.5pp | 39.5% | 28.8% | 41.4% | 12% |
| 1-4 Family |
31.9%
+4.7pp YoY +0.4pp QoQ |
-0.7pp | 32.6% | 26.7% | 31.3% | 56% |
| Consumer |
4.7%
+0.9pp YoY +0.3pp QoQ |
+0.6pp | 4.1% | 4.6% | 5.0% | 75% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
10.3%
+0.5pp YoY +0.2pp QoQ |
-1.9pp | 12.2% | 12.6% | 12.6% | 37% |
| Total Capital Ratio | n/a | n/a | 19.9% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
26
+1 (+4.0%) YoY +1 (+4.0%) QoQ |
-33 | 58 | 70 | 482 | 21% |
| Assets per Employee ($) |
$7.9M
-0.4% YoY -0.4% QoQ |
+$412K | $7.5M | $7.1M | $8.8M | 67% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 6 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 22.44x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 14% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.4%
+1.3pp YoY -0.4pp QoQ |
-1.8pp | 12.2% | 14.3% | 11.6% | 39% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.6% | 1.7% | 50% |
| Net Income ($, YTD) |
$883,000
+32.4% YoY — QoQ |
-$1.7M | $2.6M | $3.7M | $40.4M | 23% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.