BlastPoint's Banking Scorecard

Union State Bank

$100M-$1B Specialty: Commercial AL FDIC cert 5602

Pell City, AL

8 branches across AL

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 63 in AL.
Deposits -7.4% year over year ($191.7M on the books).
Delinquency rate 2.02%.
Return on assets 0.43%.
Efficiency ratio 88.32% vs a 64.48% peer average.
Loan-to-deposit ratio 51.20% 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 63 in AL

View $100M-$1B leaderboard (AL) →

Union State Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 0.6% in tier
- Deposit Outflow: Bottom 9.0% in tier
- Efficiency Ratio 23.84% above tier average
- ROA 0.90% below tier average
- Net Interest Margin 0.39% below tier average
- Delinquency Rate 1.10% 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 (AL)	National Avg	Tier Percentile
Total Assets ?	$212.5M -1.7% YoY +3.4% QoQ	-$174.1M	$386.6M +1.2% YoY	$2.5B +1.5% YoY	$6.3B +7.7% YoY	29%
Total Loans ?	$98.1M +20.9% YoY +9.9% QoQ	-$160.2M	$258.3M +1.7% YoY	$1.6B +2.8% YoY	$3.2B +9.4% YoY	18%
Total Deposits ?	$191.7M -7.4% YoY +1.3% QoQ	-$135.1M	$326.7M +0.7% YoY	$2.1B +0.3% YoY	$4.9B +7.3% YoY	32%
Return on Assets ?	0.43% +107.7% YoY -5.9% QoQ	-0.90%	1.32% +10.8% YoY	0.89% -13.0% YoY	1.30% +12.1% YoY	Bottom 10.4% in tier
Net Interest Margin ?	3.59% +25.8% YoY +1.6% QoQ	-0.39%	3.99% +5.0% YoY	4.02% +3.4% YoY	3.95% +4.9% YoY	32%
Efficiency Ratio ?	88.32% -6.3% YoY -0.7% QoQ	+23.84%	64.48% -3.2% YoY	69.53% +4.0% YoY	70.05% +2.5% YoY	Bottom 7.0% in tier
Delinquency Rate ?	2.02% +762.2% YoY +91.6% QoQ	+1.10%	0.92% +15.7% YoY	1.13% +25.5% YoY	0.98% +16.3% YoY	Bottom 12.8% in tier
Loan-to-Deposit Ratio ?	51.20% +30.6% YoY +8.5% QoQ	-26.75%	77.95% +1.0% YoY	67.62% +0.9% YoY	79.03% +2.3% YoY	Top 9.0% in tier
Non-Interest-Bearing Deposit Share ?	22.23% -5.2% YoY -4.1% QoQ	+0.20%	22.03% -0.6% YoY	24.04% +0.1% YoY	21.98% -0.6% YoY	56%
Nonperforming Asset Ratio ?	1.04% +452.9% YoY +84.8% QoQ	+0.37%	0.67% +16.4% YoY	0.74% +25.2% YoY	0.69% +15.8% YoY	19%
Tier 1 Capital Ratio ?	13.61% +2.4% YoY -5.9% QoQ	-2.29%	15.91% +1.4% YoY	15.01% +1.3% YoY	17.09% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.43% -17.0% YoY +76.4% QoQ	-0.13%	0.57% +7.6% YoY	0.35% -14.4% YoY	0.66% +5.2% YoY	Top 12.3% 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 (AL)	National Avg	Tier Percentile
Noninterest-Bearing	22.2% -1.2pp YoY -1.0pp QoQ	+0.1pp	22.1%	24.0%	22.2%	55%
Brokered Deposits	n/a	n/a	7.9%	5.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
C&I	8.6% -2.2pp YoY -0.4pp QoQ	-2.9pp	11.6%	16.9%	12.5%	44%
CRE	66.8% +5.2pp YoY +1.4pp QoQ	+27.2pp	39.5%	43.5%	41.4%	91%
1-4 Family	21.7% +0.4pp YoY -0.7pp QoQ	-10.9pp	32.6%	30.6%	31.3%	34%
Consumer	2.2% -1.9pp YoY -0.2pp QoQ	-1.9pp	4.1%	5.7%	5.0%	51%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
CET1 Ratio	13.6% +0.3pp YoY -0.9pp QoQ	-5.2pp	18.8%	15.1%	19.7%	35%
Leverage Ratio	9.6% +1.1pp YoY +0.1pp QoQ	-2.6pp	12.2%	13.2%	12.6%	24%
Total Capital Ratio	14.3% +0.2pp YoY -0.9pp QoQ	-5.7pp	19.9%	16.2%	20.8%	30%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Full-Time Employees	64 0 YoY +4 (+6.7%) QoQ	+5	58	304	482	66%
Assets per Employee ($)	$3.3M -1.7% YoY -3.0% QoQ	-$4.2M	$7.5M	$6.9M	$8.8M	2%
Branch Count	8 0 YoY 0 QoQ	+3	4	20	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	2.0% +1.8pp YoY +1.3pp QoQ	+1.1pp	0.9%	1.2%	1.0%	87%
Allowance Coverage	0.45x -92.2% YoY -50.2% QoQ	-23.70x	24.15x	7.50x	20.23x	8%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	46%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
ROE	8.0% +1.9pp YoY -0.7pp QoQ	-4.2pp	12.2%	10.0%	11.6%	25%
Cost of Funds (YTD)	1.0% -0.5pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.7%	1.7%	11%
Net Income ($, YTD)	$451,000 +99.6% YoY — QoQ	-$2.1M	$2.6M	$17.2M	$40.4M	10%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk

#4 of 529 • Bottom 0.6% 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: 0.43%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

Deposit Outflow

decline

#49 of 535 • Bottom 9.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

240

Loan-to-Deposit Ratio

liquidity

Value: 51.20%

Peer Median: 77.95%

#240 of 2643 Top 9.0% in $100M-$1B

326

Non-Interest Income / Assets

revenue_mix

Value: 0.43%

Peer Median: 0.57%

#326 of 2643 Top 12.3% in $100M-$1B

Top Weaknesses (5 metrics)

2458

Efficiency Ratio

profitability

Value: 88.32%

Peer Median: 64.48%

#2458 of 2643 Bottom 7.0% in $100M-$1B

2368

Return on Assets

profitability

Value: 0.43%

Peer Median: 1.32%

#2368 of 2643 Bottom 10.4% in $100M-$1B

2297

Delinquency Rate

credit_quality

Value: 2.02%

Peer Median: 0.92%

#2297 of 2633 Bottom 12.8% in $100M-$1B

2161

Total Loans

size

Value: $98.13M

Peer Median: $258.35M

#2161 of 2643 Bottom 18.3% in $100M-$1B

2131

Nonperforming Asset Ratio

credit_quality

Value: 1.04%

Peer Median: 0.67%

#2131 of 2643 Bottom 19.4% in $100M-$1B