BlastPoint's Banking Scorecard

Union Savings Bank

$100M-$1B Specialty: Other IL FDIC cert 29121

Freeport, IL

4 branches across IL

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 211 in IL.
Deposits -2.2% year over year ($166.1M on the books).
Delinquency rate 0.27%.
Return on assets 0.31%.
Efficiency ratio 90.83% vs a 64.48% peer average.
Loan-to-deposit ratio 69.36% 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 211 in IL

View $100M-$1B leaderboard (IL) →

Union Savings Bank has 1 strength but faces 6 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

+ Delinquency Rate 0.64% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 0.2% in tier
- Credit Risk Growth: Bottom 3.2% in tier
- Credit Quality Pressure: Bottom 14.8% in tier
- Return on Assets 1.01% below tier average
- Efficiency Ratio 26.35% above tier average
- Net Interest Margin 0.29% below tier average

Get updates when Union Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$182.0M -1.3% YoY -0.7% QoQ	-$204.6M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	22%
Total Loans ?	$115.2M +2.8% YoY +0.6% QoQ	-$143.2M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	24%
Total Deposits ?	$166.1M -2.2% YoY -0.6% QoQ	-$160.7M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	25%
Return on Assets ?	0.31% +116.5% YoY -21.5% QoQ	-1.01%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Bottom 7.6% in tier
Net Interest Margin ?	3.70% +22.0% YoY -1.3% QoQ	-0.29%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	37%
Efficiency Ratio ?	90.83% -4.9% YoY +0.8% QoQ	+26.35%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Bottom 5.2% in tier
Delinquency Rate ?	0.27% +11.9% YoY -8.4% QoQ	-0.64%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	59%
Loan-to-Deposit Ratio ?	69.36% +5.1% YoY +1.2% QoQ	-8.60%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	70%
Non-Interest-Bearing Deposit Share ?	12.11% +14.1% YoY -5.1% QoQ	-9.93%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Bottom 14.8% in tier
Nonperforming Asset Ratio ?	0.17% +16.5% YoY -14.5% QoQ	-0.50%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	63%
Tier 1 Capital Ratio ?	15.59% +8.2% YoY +0.3% QoQ	-0.32%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	70%
Non-Interest Income / Assets ?	0.61% +13.8% YoY +132.4% QoQ	+0.04%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 6.7% in tier

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 (IL)	National Avg	Tier Percentile
Noninterest-Bearing	12.1% +1.5pp YoY -0.7pp QoQ	-10.0pp	22.1%	20.1%	22.2%	14%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	8.0% +1.5pp YoY +0.5pp QoQ	-3.6pp	11.6%	14.7%	12.5%	40%
CRE	30.2% +2.3pp YoY -1.5pp QoQ	-9.3pp	39.5%	37.9%	41.4%	35%
1-4 Family	56.9% +2.1pp YoY +0.9pp QoQ	+24.2pp	32.6%	28.3%	31.3%	87%
Consumer	1.0% -0.6pp YoY -0.1pp QoQ	-3.1pp	4.1%	5.4%	5.0%	29%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	15.6% +1.2pp YoY 0.0pp QoQ	-3.2pp	18.8%	19.9%	19.7%	55%
Leverage Ratio	9.5% +0.2pp YoY 0.0pp QoQ	-2.6pp	12.2%	12.2%	12.6%	22%
Total Capital Ratio	16.4% +1.2pp YoY +0.1pp QoQ	-3.5pp	19.9%	20.9%	20.8%	52%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	44 -8 (-15.4%) YoY 0 QoQ	-15	58	228	482	46%
Assets per Employee ($)	$4.1M +16.6% YoY -0.7% QoQ	-$3.4M	$7.5M	$8.3M	$8.8M	6%
Branch Count	4 0 YoY 0 QoQ	-1	4	10	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.4%	0.4%	65%
Nonaccrual	0.1% -0.1pp YoY 0.0pp QoQ	-0.9pp	0.9%	1.1%	1.0%	16%
Allowance Coverage	2.93x -12.1% YoY +11.2% QoQ	-21.23x	24.15x	5.62x	20.23x	58%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	47%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	4.0% +1.8pp YoY -1.1pp QoQ	-8.2pp	12.2%	10.5%	11.6%	10%
Cost of Funds (YTD)	1.0% -0.2pp YoY +0.2pp QoQ	-0.7pp	1.7%	1.6%	1.7%	11%
Net Income ($, YTD)	$281,000 +116.2% YoY — QoQ	-$2.3M	$2.6M	$11.7M	$40.4M	6%

Get Full Access to Union Savings Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (3)

Flatlined Growth

risk

#2 of 529 • Bottom 0.2% 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: 0.31%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#31 of 936 • Bottom 3.2% 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

#187 of 1256 • Bottom 14.8% in tier

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

Why this signature

Delinquency Rate: 0.27%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

177

Non-Interest Income / Assets

revenue_mix

Value: 0.61%

Peer Median: 0.57%

#177 of 2643 Top 6.7% in $100M-$1B

Top Weaknesses (5 metrics)

2507

Efficiency Ratio

profitability

Value: 90.83%

Peer Median: 64.48%

#2507 of 2643 Bottom 5.2% in $100M-$1B

2442

Return on Assets

profitability

Value: 0.31%

Peer Median: 1.32%

#2442 of 2643 Bottom 7.6% in $100M-$1B

2253

Non-Interest-Bearing Deposit Share

funding

Value: 12.11%

Peer Median: 22.03%

#2253 of 2643 Bottom 14.8% in $100M-$1B

2068

Total Assets

size

Value: $181.99M

Peer Median: $386.57M

#2068 of 2643 Bottom 21.8% in $100M-$1B

2012

Total Loans

size

Value: $115.17M

Peer Median: $258.35M

#2012 of 2643 Bottom 23.9% in $100M-$1B