BlastPoint's Banking Scorecard

Union Savings Bank

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

Cincinnati, OH

39 branches across OH · IN · PA

884 banks in the $1B-$10B peer group nationally 28 in OH

Union Savings Bank has 4 strengths but faces 5 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 5.4% in tier
+ Revenue Diversifier: Top 22.2% in tier
+ Efficiency Ratio 15.78% below tier average
+ Delinquency Rate 0.24% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 12.6% in tier
- Capital Thin: Bottom 14.9% in tier
- Liquidity Strain: Bottom 37.7% in tier
- Non-Interest-Bearing Deposit Share 14.05% below tier average
- Net Interest Margin 0.89% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$4.0B +2.6% YoY -0.8% QoQ	+$1.2B	$2.8B -0.1% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$3.5B +2.2% YoY -0.7% QoQ	+$1.5B	$2.0B +0.6% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	Top 14.7% in tier
Total Deposits ?	$3.5B +1.6% YoY +0.0% QoQ	+$1.1B	$2.3B -0.3% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	81%
Return on Assets ?	2.24% +108.2% YoY +35.3% QoQ	+0.87%	1.37% +19.6% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Top 6.1% in tier
Net Interest Margin ?	2.93% +22.6% YoY +9.6% QoQ	-0.89%	3.82% +6.9% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Bottom 14.5% in tier
Efficiency Ratio ?	45.28% -30.4% YoY -17.2% QoQ	-15.78%	61.06% -4.6% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Top 11.3% in tier
Delinquency Rate ?	0.65% +49.7% YoY +26.2% QoQ	-0.24%	0.89% +14.1% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	44%
Loan-to-Deposit Ratio ?	100.77% +0.5% YoY -0.7% QoQ	+16.56%	84.20% +0.3% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	Bottom 12.0% in tier
Non-Interest-Bearing Deposit Share ?	7.24% +7.0% YoY -17.2% QoQ	-14.05%	21.29% -2.5% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	Bottom 7.2% in tier
Nonperforming Asset Ratio ?	0.57% +50.9% YoY +26.0% QoQ	-0.10%	0.67% +15.6% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	39%
Tier 1 Capital Ratio ?	10.44% -0.6% YoY +1.3% QoQ	-4.72%	15.16% +2.0% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	Bottom 8.1% in tier
Non-Interest Income / Assets ?	0.34% +69.3% YoY -69.5% QoQ	+0.09%	0.26% +1.6% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	Top 10.6% in tier

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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 (2)

Profitability Leader

growth

#13 of 221 • Top 5.4% in tier

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

Why this signature

Return on Assets: 2.24%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#50 of 221 • Top 22.2% 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: 0.34%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 2.24%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk

#54 of 420 • Bottom 12.6% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Capital Thin

risk

#34 of 221 • Bottom 14.9% 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: 10.44%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#127 of 334 • Bottom 37.7% 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: 100.77%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 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 884 peers in $1B-$10B

Top Strengths (6 metrics)

Return on Assets

profitability

Value: 2.24%

Peer Median: 1.37%

#55 of 884 Top 6.1% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.26%

#95 of 884 Top 10.6% in $1B-$10B

101

Efficiency Ratio

profitability

Value: 45.28%

Peer Median: 61.06%

#101 of 884 Top 11.3% in $1B-$10B

131

Total Loans

size

Value: $3.51B

Peer Median: $1.96B

#131 of 884 Top 14.7% in $1B-$10B

166

Total Deposits

size

Value: $3.49B

Peer Median: $2.34B

#166 of 884 Top 18.7% in $1B-$10B

177

Total Assets

size

Value: $4.01B

Peer Median: $2.82B

#177 of 884 Top 19.9% in $1B-$10B

Top Weaknesses (4 metrics)

821

Non-Interest-Bearing Deposit Share

funding

Value: 7.24%

Peer Median: 21.29%

#821 of 884 Bottom 7.2% in $1B-$10B

813

Tier 1 Capital Ratio

capital

Value: 10.44%

Peer Median: 15.16%

#813 of 884 Bottom 8.1% in $1B-$10B

779

Loan-to-Deposit Ratio

liquidity

Value: 100.77%

Peer Median: 84.20%

#779 of 884 Bottom 12.0% in $1B-$10B

757

Net Interest Margin

profitability

Value: 2.93%

Peer Median: 3.82%

#757 of 884 Bottom 14.5% in $1B-$10B