BlastPoint's Banking Scorecard
Union State Bank
Designations: ✓ Community bank
Uniontown, KS
2 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 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +5.7% year over year ($65.2M on the books).
- Delinquency rate 0.19%.
- Return on assets 2.91%.
- Efficiency ratio 54.68% vs a 119.40% peer average.
- Loan-to-deposit ratio 86.62% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Union State Bank shows strong momentum with 5 strengths and 6.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.91% above tier average
- + Non-Interest Income / Assets 0.39% below tier average
- + Net Interest Margin 1.03% above tier average
- + Efficiency Ratio 64.71% below tier average
- + Delinquency Rate 1.29% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$73.8M
+6.0% YoY
-0.0% QoQ
|
+$11.4M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$56.5M
+13.0% YoY
+7.4% QoQ
|
+$21.6M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
83% |
| Total Deposits ? |
$65.2M
+5.7% YoY
-0.9% QoQ
|
+$13.6M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
66% |
| Return on Assets ? |
2.91%
+67.6% YoY
+70.9% QoQ
|
+1.91% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
Top 3.2% in tier |
| Net Interest Margin ? |
4.94%
-0.7% YoY
+0.0% QoQ
|
+1.03% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
Top 14.6% in tier |
| Efficiency Ratio ? |
54.68%
-15.6% YoY
-18.5% QoQ
|
-64.71% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
83% |
| Delinquency Rate ? |
0.19%
-37.2% YoY
-88.8% QoQ
|
-1.29% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
86.62%
+6.9% YoY
+8.3% QoQ
|
+12.42% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
25.47%
-7.4% YoY
-9.3% QoQ
|
+1.98% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.14%
-63.2% YoY
-88.0% QoQ
|
-0.69% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
14.96%
+5.5% YoY
+5.8% QoQ
|
-12.16% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.99%
+125.5% YoY
+364.6% QoQ
|
-0.39% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Top 5.0% in tier |
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 |
25.5%
-2.0pp YoY -2.6pp QoQ |
+0.8pp | 24.6% | 22.3% | 22.2% | 58% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
14.5%
-4.3pp YoY -0.5pp QoQ |
+1.1pp | 13.4% | 12.6% | 12.5% | 67% |
| CRE |
15.7%
+3.1pp YoY -2.0pp QoQ |
-9.6pp | 25.2% | 28.8% | 41.4% | 36% |
| 1-4 Family |
40.1%
+1.6pp YoY +2.3pp QoQ |
+5.1pp | 35.0% | 26.7% | 31.3% | 62% |
| Consumer |
4.9%
-1.2pp YoY -0.3pp QoQ |
-2.7pp | 7.7% | 4.6% | 5.0% | 50% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.0%
+0.8pp YoY +0.8pp QoQ |
-23.7pp | 38.7% | 23.3% | 19.7% | 22% |
| Leverage Ratio |
10.4%
+0.9pp YoY +0.6pp QoQ |
-7.3pp | 17.7% | 12.6% | 12.6% | 22% |
| Total Capital Ratio |
16.1%
+0.7pp YoY +0.7pp QoQ |
-23.6pp | 39.7% | 24.4% | 20.8% | 23% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
+2 (+15.4%) YoY +1 (+7.1%) QoQ |
+3 | 12 | 70 | 482 | 73% |
| Assets per Employee ($) |
$4.9M
-8.1% YoY -6.7% QoQ |
-$1.3M | $6.2M | $7.1M | $8.8M | 34% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 6 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.1pp YoY 0.0pp QoQ |
-1.6pp | 1.7% | 0.8% | 1.0% | 22% |
| Allowance Coverage |
5.57x
+41.9% YoY +707.6% QoQ |
-0.84x | 6.41x | 22.44x | 20.23x | 82% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 64% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
32.6%
+9.8pp YoY +12.9pp QoQ |
+26.2pp | 6.4% | 14.3% | 11.6% | 99% |
| Cost of Funds (YTD) |
1.4%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 1.4% | 1.6% | 1.7% | 49% |
| Net Income ($, YTD) |
$1.1M
+70.7% YoY — QoQ |
+$742K | $317,817 | $3.7M | $40.4M | 97% |
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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.