Union Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 268.94 percentage points higher than in Q1 2026, at 731.69%. Among 78 Arkansas banks, Union Bank sits 2nd from the top on return on assets, 2.48% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Union Bank reported 2.48% on return on assets in Q2 2026, 1.23 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.50% |
| Tier 1 risk-based capital ratio | 19.50% |
| Total risk-based capital ratio | 20.76% |
| Tier 1 leverage ratio | 11.40% |
| Equity capital to assets | 11.25% |
| Tangible equity to tangible assets | 10.63% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.21% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 1.60% |
| Allowance for credit losses to loans | 1.52% |
| Reserve coverage of non-performing loans | 731.69% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.48% |
| Return on equity | 22.59% |
| Net interest margin | 4.75% |
| Efficiency ratio | 50.33% |
| Yield on earning assets | 6.24% |
| Cost of funds | 1.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.75% |
| Core deposits to total deposits | 85.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.13% |
| Securities to assets | 21.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.28% | 18.28% | 19.53% | 10.79% | 2.02% |
| Q4 2023 | 18.30% | 18.30% | 19.56% | 10.60% | 1.90% |
| Q1 2024 | 18.72% | 18.72% | 19.98% | 10.99% | 1.67% |
| Q2 2024 | 18.90% | 18.90% | 20.15% | 10.92% | 1.70% |
| Q3 2024 | 19.33% | 19.33% | 20.59% | 11.08% | 1.84% |
| Q4 2024 | 18.72% | 18.72% | 19.98% | 11.09% | 2.03% |
| Q1 2025 | 18.83% | 18.83% | 20.08% | 11.31% | 2.16% |
| Q2 2025 | 18.77% | 18.77% | 20.02% | 11.38% | 2.27% |
| Q3 2025 | 19.06% | 19.06% | 20.31% | 11.72% | 2.37% |
| Q4 2025 | 18.02% | 18.02% | 19.28% | 10.89% | 2.23% |
| Q1 2026 | 18.80% | 18.80% | 20.05% | 11.36% | 2.37% |
| Q2 2026 | 19.50% | 19.50% | 20.76% | 11.40% | 2.48% |
Union Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Union Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14597) · FFIEC NIC profile (RSSD 86349)