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Union State Bank

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

Arkansas City, KS

12 branches across KS · OK

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 +8.6% year over year ($633.3M on the books).
  • Delinquency rate 0.19%.
  • Return on assets 1.27%.
  • Efficiency ratio 69.04% vs a 64.48% peer average.
  • Loan-to-deposit ratio 68.38% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS
View $100M-$1B leaderboard (KS) →

Union State Bank has 2 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

  • + Net Interest Margin 0.32% above tier average
  • + Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 3.1% in tier
  • - Credit Quality Pressure: Bottom 23.7% in tier
  • - ROA 0.06% below tier average
  • - Efficiency Ratio 4.57% above tier average
Get updates when Union State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $719.1M
+6.1% YoY +8.7% QoQ
+$332.6M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
Top 11.7% in tier
Total Loans ? $433.0M
+1.2% YoY +2.6% QoQ
+$174.7M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
82%
Total Deposits ? $633.3M
+8.6% YoY +9.9% QoQ
+$306.6M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
Top 10.3% in tier
Return on Assets ? 1.27%
+0.8% YoY +6.2% QoQ
-0.06% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 4.30%
+8.5% YoY -1.4% QoQ
+0.32% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
71%
Efficiency Ratio ? 69.04%
+2.1% YoY -2.2% QoQ
+4.57% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
33%
Delinquency Rate ? 0.19%
+310.5% YoY -32.3% QoQ
-0.73% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
66%
Loan-to-Deposit Ratio ? 68.38%
-6.8% YoY -6.7% QoQ
-9.58% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
72%
Non-Interest-Bearing Deposit Share ? 18.67%
+2.1% YoY +0.2% QoQ
-3.36% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
39%
Nonperforming Asset Ratio ? 0.12%
+291.8% YoY -36.1% QoQ
-0.55% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
69%
Tier 1 Capital Ratio ? 14.00%
+5.3% YoY -2.0% QoQ
-1.90% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
57%
Non-Interest Income / Assets ? 0.28%
-25.7% YoY +96.2% QoQ
-0.29% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
68%

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 18.7%
+0.4pp YoY
0.0pp QoQ
 -3.5pp 22.1% 22.3% 22.2% 39%
Brokered Deposits 2.2%
-7.2pp YoY
-1.3pp QoQ
 -5.6pp 7.9% 8.7% 8.5% 32%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 12.3%
+0.3pp YoY
+0.1pp QoQ
 +0.7pp 11.6% 12.6% 12.5% 65%
CRE 41.1%
-2.7pp YoY
+0.6pp QoQ
 +1.6pp 39.5% 28.8% 41.4% 56%
1-4 Family 33.5%
-0.2pp YoY
-1.0pp QoQ
 +0.9pp 32.6% 26.7% 31.3% 59%
Consumer 2.3%
-0.3pp YoY
+0.1pp QoQ
 -1.8pp 4.1% 4.6% 5.0% 51%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 14.0%
+0.7pp YoY
-0.3pp QoQ
 -4.8pp 18.8% 23.3% 19.7% 39%
Leverage Ratio 10.2%
+0.7pp YoY
-0.1pp QoQ
 -1.9pp 12.2% 12.6% 12.6% 36%
Total Capital Ratio 15.1%
+0.7pp YoY
-0.3pp QoQ
 -4.8pp 19.9% 24.4% 20.8% 39%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 128
+10 (+8.5%) YoY
+2 (+1.6%) QoQ
 +69 58 70 482 94%
Assets per Employee ($) $5.6M
-2.2% YoY
+7.0% QoQ
 -$1.9M $7.5M $7.1M $8.8M 25%
Branch Count 12
0 YoY
0 QoQ
 +7 4 6 18 95%

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 0.2%
+0.1pp YoY
-0.1pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 29%
Allowance Coverage 6.05x
-74.7% YoY
+43.9% QoQ
 -18.10x 24.15x 22.44x 20.23x 74%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 50%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 11.2%
-1.1pp YoY
+1.0pp QoQ
 -1.0pp 12.2% 14.3% 11.6% 44%
Cost of Funds (YTD) 1.5%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.6% 1.7% 35%
Net Income ($, YTD) $4.3M
+1.9% YoY
— QoQ
 +$1.7M $2.6M $3.7M $40.4M 83%

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)

Credit Risk Growth

risk
#30 of 936 • Bottom 3.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#299 of 1256 • Bottom 23.7% in tier

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

Why this signature
Delinquency Rate: 0.19%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

274
Total Deposits
size
Value: $633.32M
Peer Median: $326.73M
#274 of 2643 Top 10.3% in $100M-$1B
311
Total Assets
size
Value: $719.14M
Peer Median: $386.57M
#311 of 2643 Top 11.7% in $100M-$1B
466
Total Loans
size
Value: $433.04M
Peer Median: $258.35M
#466 of 2643 Top 17.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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