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Union State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 8499

Greenfield, IA

4 branches across IA

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 167 in IA.
  • Deposits +4.0% year over year ($142.5M on the books).
  • Delinquency rate 0.52%.
  • Return on assets 1.41%.
  • Efficiency ratio 52.62% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.54% 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 167 in IA
View $100M-$1B leaderboard (IA) →

Union State Bank has 3 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

  • + ROA 0.09% above tier average
  • + Efficiency Ratio 11.86% below tier average
  • + Delinquency Rate 0.40% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 27.5% in tier
  • - Credit Quality Pressure: Bottom 44.9% in tier
  • - Non-Interest-Bearing Deposit Share 15.43% below tier average
  • - Net Interest Margin 0.14% below 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 (IA) National Avg Tier Percentile
Total Assets ? $168.7M
+4.5% YoY -0.1% QoQ
-$217.9M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
19%
Total Loans ? $104.8M
+11.2% YoY +3.9% QoQ
-$153.5M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
20%
Total Deposits ? $142.5M
+4.0% YoY -0.2% QoQ
-$184.2M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
19%
Return on Assets ? 1.41%
+40.6% YoY +24.8% QoQ
+0.09% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
60%
Net Interest Margin ? 3.84%
-2.9% YoY +1.8% QoQ
-0.14% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
45%
Efficiency Ratio ? 52.62%
-13.3% YoY -10.6% QoQ
-11.86% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
78%
Delinquency Rate ? 0.52%
+144.4% YoY +202.8% QoQ
-0.40% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
45%
Loan-to-Deposit Ratio ? 73.54%
+6.9% YoY +4.1% QoQ
-4.41% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
63%
Non-Interest-Bearing Deposit Share ? 6.60%
-21.1% YoY -14.9% QoQ
-15.43% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
Bottom 5.4% in tier
Nonperforming Asset Ratio ? 0.33%
+171.2% YoY +228.1% QoQ
-0.33% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
49%
Tier 1 Capital Ratio ? 9.28%
-32.0% YoY +2.0% QoQ
-6.63% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
Bottom 3.0% in tier
Non-Interest Income / Assets ? 0.18%
+65.8% YoY +285.4% QoQ
-0.38% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
45%

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 (IA) National Avg Tier Percentile
Noninterest-Bearing 6.6%
-1.8pp YoY
-1.2pp QoQ
 -15.5pp 22.1% 17.8% 22.2% 5%
Brokered Deposits 1.5%
-0.1pp YoY
0.0pp QoQ
 -6.4pp 7.9% 6.0% 8.5% 24%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 7.4%
-0.1pp YoY
-0.5pp QoQ
 -4.1pp 11.6% 12.8% 12.5% 36%
CRE 7.5%
-1.6pp YoY
-0.6pp QoQ
 -32.1pp 39.5% 28.3% 41.4% 2%
1-4 Family 29.5%
+1.5pp YoY
-0.6pp QoQ
 -3.1pp 32.6% 23.0% 31.3% 50%
Consumer 2.4%
-0.6pp YoY
-0.2pp QoQ
 -1.7pp 4.1% 2.9% 5.0% 53%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.4% 19.7% n/a
Leverage Ratio 9.3%
+0.5pp YoY
+0.2pp QoQ
 -2.9pp 12.2% 12.4% 12.6% 17%
Total Capital Ratio n/a n/a 19.9% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 24
+1 (+4.3%) YoY
0 QoQ
 -35 58 64 482 17%
Assets per Employee ($) $7.0M
+0.2% YoY
-0.1% QoQ
 -$490K $7.5M $8.9M $8.8M 53%
Branch Count 4
0 YoY
0 QoQ
 -1 4 5 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.5%
+0.3pp YoY
+0.5pp QoQ
 +0.2pp 0.3% 0.4% 0.4% 82%
Nonaccrual 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 9%
Allowance Coverage 1.50x
-60.1% YoY
-66.7% QoQ
 -22.66x 24.15x 18.97x 20.23x 39%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 20%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 10.2%
+2.7pp YoY
+2.0pp QoQ
 -2.0pp 12.2% 12.8% 11.6% 38%
Cost of Funds (YTD) 1.8%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 57%
Net Income ($, YTD) $1.2M
+45.7% YoY
— QoQ
 -$1.4M $2.6M $4.0M $40.4M 32%

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)

Capital Thin

risk
#183 of 661 • Bottom 27.5% 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: 9.28%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Quality Pressure

risk
#565 of 1256 • Bottom 44.9% in tier

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

Why this signature
Delinquency Rate: 0.52%
(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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

586
Efficiency Ratio
profitability
Value: 52.62%
Peer Median: 64.48%
#586 of 2643 Top 22.1% in $100M-$1B

Top Weaknesses (5 metrics)

2565
Tier 1 Capital Ratio
capital
Value: 9.28%
Peer Median: 15.91%
#2565 of 2643 Bottom 3.0% in $100M-$1B
2502
Non-Interest-Bearing Deposit Share
funding
Value: 6.60%
Peer Median: 22.03%
#2502 of 2643 Bottom 5.4% in $100M-$1B
2142
Total Assets
size
Value: $168.69M
Peer Median: $386.57M
#2142 of 2643 Bottom 19.0% in $100M-$1B
2140
Total Deposits
size
Value: $142.52M
Peer Median: $326.73M
#2140 of 2643 Bottom 19.1% in $100M-$1B
2107
Total Loans
size
Value: $104.81M
Peer Median: $258.35M
#2107 of 2643 Bottom 20.3% in $100M-$1B
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