BlastPoint's Banking Scorecard

Union State Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 15908

Clay Center, KS

4 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

Union State Bank has 3 strengths but faces 4 concerns

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

+ Credit Quality Leader: Top 34.0% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 2.02% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 14.7% in tier
- Flatlined Growth: Bottom 41.4% in tier
- ROA 0.37% below tier average
- Net Interest Margin 0.62% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$199.1M +1.2% YoY -1.6% QoQ	-$187.0M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	27%
Total Loans ?	$113.7M -0.8% YoY -3.3% QoQ	-$142.0M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	24%
Total Deposits ?	$168.4M +2.0% YoY -1.0% QoQ	-$159.5M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	26%
Return on Assets ?	0.90% +48.5% YoY +16.9% QoQ	-0.37%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	32%
Net Interest Margin ?	3.31% +14.7% YoY +6.8% QoQ	-0.62%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	22%
Efficiency Ratio ?	63.27% -11.3% YoY -5.3% QoQ	-2.02%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	50%
Delinquency Rate ?	0.00% -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	67.51% -2.8% YoY -2.3% QoQ	-9.13%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	71%
Non-Interest-Bearing Deposit Share ?	16.10% +2.4% YoY +0.9% QoQ	-5.92%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	28%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.04% +3.7% YoY -1.0% QoQ	-5.79%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	Bottom 10.2% in tier
Non-Interest Income / Assets ?	0.05% -4.2% YoY -78.1% QoQ	-0.23%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	18%

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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 (1)

Credit Quality Leader

growth

#227 of 664 • Top 34.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Capital Thin

risk

#99 of 666 • Bottom 14.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.04%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#213 of 512 • Bottom 41.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.90%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (4 metrics)

2392

Tier 1 Capital Ratio

capital

Value: 10.04%

Peer Median: 15.83%

#2392 of 2664 Bottom 10.2% in $100M-$1B

2190

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2190 of 2664 Bottom 17.8% in $100M-$1B

2074

Net Interest Margin

profitability

Value: 3.31%

Peer Median: 3.93%

#2074 of 2664 Bottom 22.2% in $100M-$1B

2027

Total Loans

size

Value: $113.70M

Peer Median: $255.72M

#2027 of 2664 Bottom 23.9% in $100M-$1B