BlastPoint's Banking Scorecard
Union State Bank
Greenfield, IA
4 branches across IA
Union State Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.42% below tier average
- + Delinquency Rate 0.72% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 29.9% in tier
- - Non-Interest-Bearing Deposit Share 14.26% below tier average
- - ROA 0.14% below tier average
- - Net Interest Margin 0.15% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$168.8M
+4.7% YoY
+2.5% QoQ
|
-$217.3M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$100.9M
+9.1% YoY
+1.7% QoQ
|
-$154.8M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
20% |
| Total Deposits ? |
$142.8M
+4.0% YoY
+2.9% QoQ
|
-$185.2M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
19% |
| Return on Assets ? |
1.13%
+9.0% YoY
-1.4% QoQ
|
-0.14% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
46% |
| Net Interest Margin ? |
3.78%
-6.3% YoY
-4.3% QoQ
|
-0.15% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
45% |
| Efficiency Ratio ? |
58.87%
-7.3% YoY
-0.0% QoQ
|
-6.42% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
63% |
| Delinquency Rate ? |
0.17%
-34.6% YoY
-65.7% QoQ
|
-0.72% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
70.66%
+4.9% YoY
-1.1% QoQ
|
-5.98% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
7.76%
-15.8% YoY
+2.3% QoQ
|
-14.26% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 6.8% in tier |
| Nonperforming Asset Ratio ? |
0.10%
-31.9% YoY
-66.0% QoQ
|
-0.54% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
70% |
| Tier 1 Capital Ratio ? |
9.10%
-34.4% YoY
+1.1% QoQ
|
-6.73% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.4% in tier |
| Non-Interest Income / Assets ? |
0.05%
-14.1% YoY
-84.5% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
18% |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.