BlastPoint's Banking Scorecard

Union State Bank

$100M-$1B Specialty: Commercial KS FDIC cert 1869

Arkansas City, KS

12 branches across KS · OK

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

Union State Bank has 2 strengths but faces 3 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

+ Net Interest Margin 0.43% above tier average
+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 29.5% in tier
- Credit Quality Pressure: Bottom 33.2% in tier
- Efficiency Ratio 5.33% above tier average

Get updates when Union State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$661.9M -2.1% YoY +1.0% QoQ	+$275.8M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Top 14.7% in tier
Total Loans ?	$422.2M -0.6% YoY +0.4% QoQ	+$166.5M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	82%
Total Deposits ?	$576.3M -1.2% YoY +2.8% QoQ	+$248.4M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Top 14.1% in tier
Return on Assets ?	1.19% -8.5% YoY -9.4% QoQ	-0.08%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	49%
Net Interest Margin ?	4.36% +12.0% YoY +5.2% QoQ	+0.43%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	76%
Efficiency Ratio ?	70.62% +6.5% YoY +4.7% QoQ	+5.33%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	31%
Delinquency Rate ?	0.28% +379.7% YoY +17.5% QoQ	-0.60%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	58%
Loan-to-Deposit Ratio ?	73.26% +0.6% YoY -2.4% QoQ	-3.38%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	61%
Non-Interest-Bearing Deposit Share ?	18.63% +1.9% YoY +4.2% QoQ	-3.39%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	39%
Nonperforming Asset Ratio ?	0.18% +387.1% YoY +16.8% QoQ	-0.46%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	61%
Tier 1 Capital Ratio ?	14.29% +9.3% YoY +0.6% QoQ	-1.54%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.14% -37.7% YoY -79.5% QoQ	-0.14%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	71%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline

#91 of 305 • Bottom 29.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.19%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Credit Quality Pressure

risk

#435 of 1308 • Bottom 33.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.28%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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 (4 metrics)

377

Total Deposits

size

Value: $576.33M

Peer Median: $327.97M

#377 of 2664 Top 14.1% in $100M-$1B

393

Total Assets

size

Value: $661.85M

Peer Median: $386.08M

#393 of 2664 Top 14.7% in $100M-$1B

486

Total Loans

size

Value: $422.22M

Peer Median: $255.72M

#486 of 2664 Top 18.2% in $100M-$1B

629

Net Interest Margin

profitability

Value: 4.36%

Peer Median: 3.93%

#629 of 2664 Top 23.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available