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Union Savings Bank

$1B-$10B Specialty: Mortgage OH FDIC cert 32296

Cincinnati, OH

39 branches across OH · IN · PA

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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
  • Deposits +4.8% year over year ($3.5B on the books).
  • Delinquency rate 0.71%.
  • Return on assets 2.01%.
  • Efficiency ratio 48.40% vs a 59.73% peer average.
  • Loan-to-deposit ratio 99.73% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 28 in OH
View $1B-$10B leaderboard (OH) →

Union Savings Bank has 4 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

  • + Profitability Leader: Top 8.1% in tier
  • + Revenue Diversifier: Top 34.7% in tier
  • + Efficiency Ratio 11.33% below tier average
  • + Delinquency Rate 0.16% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 9.0% in tier
  • - Liquidity Strain: Bottom 20.8% in tier
  • - Non-Interest-Bearing Deposit Share 13.27% below tier average
  • - Net Interest Margin 0.93% 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 (OH) National Avg Tier Percentile
Total Assets ? $4.0B
-0.1% YoY +0.2% QoQ
+$1.2B $2.8B
-0.6% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
81%
Total Loans ? $3.5B
-0.8% YoY +0.4% QoQ
+$1.6B $2.0B
-0.3% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
Top 14.4% in tier
Total Deposits ? $3.5B
+4.8% YoY +1.4% QoQ
+$1.2B $2.3B
-0.5% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
82%
Return on Assets ? 2.01%
+59.0% YoY -10.1% QoQ
+0.62% 1.39%
+17.0% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
Top 11.4% in tier
Net Interest Margin ? 2.94%
+16.6% YoY +0.3% QoQ
-0.93% 3.87%
+6.2% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Bottom 12.7% in tier
Efficiency Ratio ? 48.40%
-20.8% YoY +6.9% QoQ
-11.33% 59.73%
-12.6% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
81%
Delinquency Rate ? 0.71%
+77.7% YoY +9.4% QoQ
-0.16% 0.87%
+11.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
39%
Loan-to-Deposit Ratio ? 99.73%
-5.4% YoY -1.0% QoQ
+14.69% 85.04%
-0.1% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
15%
Non-Interest-Bearing Deposit Share ? 8.01%
+26.6% YoY +10.6% QoQ
-13.27% 21.27%
-1.5% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 7.5% in tier
Nonperforming Asset Ratio ? 0.63%
+78.3% YoY +9.5% QoQ
-0.05% 0.67%
+11.7% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
36%
Tier 1 Capital Ratio ? 10.51%
+1.1% YoY +0.7% QoQ
-4.33% 14.84%
-0.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Bottom 10.7% in tier
Non-Interest Income / Assets ? 0.60%
+37.8% YoY +73.6% QoQ
+0.07% 0.53%
+2.5% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
Top 13.8% 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 (OH) National Avg Tier Percentile
Noninterest-Bearing 8.0%
+1.7pp YoY
+0.8pp QoQ
 -13.4pp 21.4% 18.8% 22.2% 7%
Brokered Deposits n/a n/a 9.5% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 0.7%
+0.1pp YoY
0.0pp QoQ
 -13.3pp 14.0% 10.2% 12.5% 2%
CRE 14.9%
+0.9pp YoY
+0.1pp QoQ
 -35.1pp 50.0% 34.2% 41.4% 2%
1-4 Family 85.1%
-0.9pp YoY
-0.1pp QoQ
 +58.6pp 26.4% 50.0% 31.3% 98%
Consumer 0.2%
0.0pp YoY
0.0pp QoQ
 -4.6pp 4.7% 4.7% 5.0% 16%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 22.1% 19.7% n/a
Leverage Ratio 10.5%
+0.1pp YoY
+0.1pp QoQ
 -0.8pp 11.3% 12.9% 12.6% 50%
Total Capital Ratio n/a n/a 16.7% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 497
-11 (-2.2%) YoY
-16 (-3.1%) QoQ
 +183 313 2,433 482 83%
Assets per Employee ($) $8.1M
+2.1% YoY
+3.5% QoQ
 -$2.4M $10.5M $7.6M $8.8M 41%
Branch Count 39
0 YoY
0 QoQ
 +19 20 81 18 89%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.2% 0.4% 14%
Nonaccrual 0.7%
+0.4pp YoY
+0.1pp QoQ
 -0.1pp 0.8% 0.6% 1.0% 62%
Allowance Coverage 1.16x
-42.4% YoY
-8.1% QoQ
 -17.55x 18.71x 18.95x 20.23x 29%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 8%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 19.8%
+7.4pp YoY
-2.2pp QoQ
 +7.2pp 12.6% 9.7% 11.6% 90%
Cost of Funds (YTD) 2.9%
-0.3pp YoY
0.0pp QoQ
 +1.0pp 1.9% 1.7% 1.7% 94%
Net Income ($, YTD) $40.5M
+62.2% YoY
— QoQ
 +$21.3M $19.2M $259.3M $40.4M 88%

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 (2)

Profitability Leader

growth
#19 of 222 • Top 8.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.01%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Revenue Diversifier

growth
#78 of 222 • Top 34.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.60%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 2.01%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Capital Thin

risk
#21 of 222 • Bottom 9.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.51%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Liquidity Strain

risk
#76 of 361 • Bottom 20.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 99.73%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 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 885 peers in $1B-$10B

Top Strengths (6 metrics)

102
Return on Assets
profitability
Value: 2.01%
Peer Median: 1.39%
#102 of 885 Top 11.4% in $1B-$10B
123
Non-Interest Income / Assets
revenue_mix
Value: 0.60%
Peer Median: 0.53%
#123 of 885 Top 13.8% in $1B-$10B
128
Total Loans
size
Value: $3.53B
Peer Median: $1.96B
#128 of 885 Top 14.4% in $1B-$10B
156
Total Deposits
size
Value: $3.53B
Peer Median: $2.32B
#156 of 885 Top 17.5% in $1B-$10B
169
Efficiency Ratio
profitability
Value: 48.40%
Peer Median: 59.73%
#169 of 885 Top 19.0% in $1B-$10B
173
Total Assets
size
Value: $4.02B
Peer Median: $2.79B
#173 of 885 Top 19.4% in $1B-$10B

Top Weaknesses (4 metrics)

820
Non-Interest-Bearing Deposit Share
funding
Value: 8.01%
Peer Median: 21.27%
#820 of 885 Bottom 7.5% in $1B-$10B
791
Tier 1 Capital Ratio
capital
Value: 10.51%
Peer Median: 14.84%
#791 of 885 Bottom 10.7% in $1B-$10B
774
Net Interest Margin
profitability
Value: 2.94%
Peer Median: 3.87%
#774 of 885 Bottom 12.7% in $1B-$10B
753
Loan-to-Deposit Ratio
liquidity
Value: 99.73%
Peer Median: 85.04%
#753 of 885 Bottom 15.0% in $1B-$10B
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