BlastPoint's Banking Scorecard
Union State Bank
Pell City, AL
8 branches across AL
Union State Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 16.4% in tier
- - Efficiency Ratio 23.63% above tier average
- - ROA 0.82% below tier average
- - Net Interest Margin 0.39% below tier average
- - Delinquency Rate 0.17% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$205.4M
-5.9% YoY
-5.1% QoQ
|
-$180.7M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$89.3M
+15.9% YoY
+6.2% QoQ
|
-$166.4M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
15% |
| Total Deposits ? |
$189.2M
-9.8% YoY
-7.6% QoQ
|
-$138.7M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
32% |
| Return on Assets ? |
0.45%
+374.9% YoY
-37.6% QoQ
|
-0.82% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.2% in tier |
| Net Interest Margin ? |
3.54%
+29.8% YoY
+14.4% QoQ
|
-0.39% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
32% |
| Efficiency Ratio ? |
88.92%
-8.5% YoY
+7.1% QoQ
|
+23.63% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.4% in tier |
| Delinquency Rate ? |
1.05%
+69.1% YoY
+172.7% QoQ
|
+0.17% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
47.20%
+28.5% YoY
+14.9% QoQ
|
-29.44% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Top 7.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.19%
-1.5% YoY
+7.9% QoQ
|
+1.17% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.56%
+156.4% YoY
+125.1% QoQ
|
-0.07% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
34% |
| Tier 1 Capital Ratio ? |
14.47%
+4.5% YoY
+1.6% QoQ
|
-1.36% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.24%
-2.3% YoY
-84.0% QoQ
|
-0.04% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
Top 9.5% in tier |
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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 (0)
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.