The Union Bank Company: 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: 176.27 percentage points higher than in Q1 2026, at 875.80%. Within Ohio, The Union Bank Company is 120th of 156 on return on assets, 0.58% as of Q2 2026, below the middle of the field. The Union Bank Company's return on assets of 0.58% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.69 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.13% |
| Tier 1 risk-based capital ratio | 15.13% |
| Total risk-based capital ratio | 16.12% |
| Tier 1 leverage ratio | 10.78% |
| Equity capital to assets | 10.49% |
| Tangible equity to tangible assets | 8.66% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.78% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 875.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.58% |
| Return on equity | 5.92% |
| Net interest margin | 4.10% |
| Efficiency ratio | 56.27% |
| Yield on earning assets | 5.57% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.46% |
| Core deposits to total deposits | 89.39% |
| Brokered deposits to total deposits | 3.52% |
| Deposits to assets | 82.53% |
| Securities to assets | 29.61% |
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 | 15.39% | 15.39% | 16.64% | 10.00% | 0.76% |
| Q4 2023 | 15.60% | 15.60% | 16.85% | 10.04% | 0.87% |
| Q1 2024 | 15.86% | 15.86% | 17.11% | 10.17% | 0.70% |
| Q2 2024 | 15.51% | 15.51% | 16.77% | 10.00% | 0.70% |
| Q3 2024 | 15.97% | 15.97% | 17.22% | 9.17% | 0.83% |
| Q4 2024 | 15.34% | 15.34% | 16.51% | 9.07% | 1.01% |
| Q1 2025 | 15.40% | 15.40% | 16.60% | 9.52% | 0.94% |
| Q2 2025 | 15.48% | 15.48% | 16.69% | 9.63% | 1.05% |
| Q3 2025 | 15.68% | 15.68% | 16.88% | 9.98% | 0.99% |
| Q4 2025 | 15.44% | 15.44% | 16.62% | 9.98% | 1.06% |
| Q1 2026 | 14.49% | 14.49% | 15.66% | 9.73% | 1.27% |
| Q2 2026 | 15.13% | 15.13% | 16.12% | 10.78% | 0.58% |
The Union Bank Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Union Bank Company, 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 The Union Bank Company profile, peer group comparison, or how this data updates.
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