The 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 Loan-to-deposit ratio: 6.60 percentage points higher than in Q1 2026, at 73.32%. Within North Dakota, The Union Bank is 48th of 60 on return on assets, 1.06% as of Q2 2026, below the middle of the field. The Union Bank reported 1.06% on return on assets for Q2 2026, 0.19 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.12% |
| Equity capital to assets | 9.67% |
| Tangible equity to tangible assets | 9.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.46% |
| Non-performing assets ratio | 0.91% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 9.18% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 75.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.06% |
| Return on equity | 11.65% |
| Net interest margin | 4.30% |
| Efficiency ratio | 63.24% |
| Yield on earning assets | 5.95% |
| Cost of funds | 1.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.32% |
| Core deposits to total deposits | 91.01% |
| Brokered deposits to total deposits | 0.19% |
| Deposits to assets | 85.26% |
| Securities to assets | 31.02% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.58% | 0.73% | 4.00% | 2.31% | 0.00% |
| Q4 2023 | 9.75% | 1.03% | 3.75% | 2.21% | -0.00% |
| Q1 2024 | 9.57% | 0.65% | 3.68% | 2.80% | 0.00% |
| Q2 2024 | 9.74% | 0.79% | 3.79% | 2.61% | 0.20% |
| Q3 2024 | 9.76% | 0.70% | 3.53% | 2.59% | -0.00% |
| Q4 2024 | 9.42% | 0.81% | 3.74% | 2.44% | 0.00% |
| Q1 2025 | 9.34% | 0.76% | 3.75% | 2.50% | -0.00% |
| Q2 2025 | 9.52% | 1.14% | 4.26% | 2.30% | 0.31% |
| Q3 2025 | 9.18% | 0.95% | 4.06% | 2.04% | 0.00% |
| Q4 2025 | 9.43% | 1.19% | 4.30% | 1.81% | -0.00% |
| Q1 2026 | 9.58% | 1.70% | 4.22% | 1.45% | 0.00% |
| Q2 2026 | 10.12% | 1.06% | 4.30% | 1.46% | 0.00% |
The Union Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Union Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9420) · FFIEC NIC profile (RSSD 852254)