BlastPoint's Banking Scorecard
Union State Bank
Designations: ✓ Community bank
Uniontown, KS
2 branches across KS
Union State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.87% above tier average
- + Net Interest Margin 1.08% above tier average
- + Efficiency Ratio 21.27% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.29% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$73.9M
+2.7% YoY
+4.2% QoQ
|
+$11.7M |
$62.2M
-0.6% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
62% |
| Total Loans ? |
$52.6M
+5.9% YoY
-1.1% QoQ
|
+$18.4M |
$34.2M
-1.4% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
80% |
| Total Deposits ? |
$65.8M
+2.8% YoY
+4.6% QoQ
|
+$14.1M |
$51.7M
-0.7% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
67% |
| Return on Assets ? |
1.70%
+1.8% YoY
+12.9% QoQ
|
+0.87% |
0.84%
-2.3% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
84% |
| Net Interest Margin ? |
4.94%
+1.4% YoY
-2.1% QoQ
|
+1.08% |
3.86%
+2.8% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
Top 11.6% in tier |
| Efficiency Ratio ? |
67.07%
+2.3% YoY
-4.3% QoQ
|
-21.27% |
88.34%
+0.3% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
60% |
| Delinquency Rate ? |
1.67%
+620.7% QoQ
|
+0.29% |
1.37%
+33.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
79.95%
+3.0% YoY
-5.4% QoQ
|
+15.74% |
64.22%
-0.7% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
28.09%
-4.3% YoY
-3.7% QoQ
|
+4.37% |
23.71%
+0.3% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
68% |
| Nonperforming Asset Ratio ? |
1.19%
+572.3% YoY
+584.5% QoQ
|
+0.40% |
0.79%
+28.2% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
14.15%
+1.0% YoY
+1.5% QoQ
|
-12.54% |
26.68%
+2.0% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.21%
+5.4% YoY
-75.3% QoQ
|
-0.45% |
0.67%
+1.9% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Top 10.7% 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.