Bank Comparison
First State Bank vs Union Bank, Inc.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First State Bank | Union Bank, Inc. |
|---|---|---|
| CET1 Ratio | 16.22% | — |
| Tier 1 Capital Ratio | 16.22% | — |
| Total Capital Ratio | 16.48% | — |
| Tier 1 Leverage Ratio | 11.89% | 9.03% |
| Equity / Assets | 9.63% | 8.39% |
Profitability
| Metric | First State Bank | Union Bank, Inc. |
|---|---|---|
| Return on Assets (ROA) | 1.80% | 1.85% |
| Return on Equity (ROE) | 17.50% | 21.94% |
| Net Interest Margin (NIM) | 4.20% | 3.46% |
| Yield on Earning Assets | 5.89% | 4.66% |
| Cost of Funds | 1.78% | 1.31% |
Asset quality
| Metric | First State Bank | Union Bank, Inc. |
|---|---|---|
| Texas Ratio | 8.28% | 10.44% |
| Non-Performing Loan Ratio | 1.14% | 1.05% |
| Non-Performing Asset Ratio | 0.79% | 0.43% |
| Net Charge-Off Ratio | 0.05% | 0.08% |
| ACL / Loans | 0.25% | 0.89% |
Balance sheet
| Metric | First State Bank | Union Bank, Inc. |
|---|---|---|
| Total Assets | $414,467K | $415,050K |
| Total Deposits | $365,547K | $376,746K |
| Total Loans | $287,285K | $172,512K |
| Total Equity | $39,916K | $34,819K |
| Net Income (quarter) | $1,725K | $1,978K |
Liquidity & funding
| Metric | First State Bank | Union Bank, Inc. |
|---|---|---|
| Loan-to-Deposit Ratio | 78.59% | 45.79% |
| Core Deposit Ratio | 94.78% | 99.41% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank | Union Bank, Inc. |
|---|---|---|
| Headquarters City | IRVINGTON | Middlebourne |
| Headquarters State | KY | WV |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 8 |
| Employees (FTE) | 87 | 61 |
| Established | Jan. 1, 1903, midnight | July 5, 1947, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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