The Union Banking 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.
Reserve coverage of non-performing loans climbed 16.22 percentage points in Q2 2026, from 210.81% to 227.03%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Union Banking Company is 138th of 156 on return on assets, 0.33% as of Q2 2026, below the middle of the field. The Union Banking Company's return on assets of 0.33% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.65 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 33.90% |
| Tier 1 risk-based capital ratio | 33.90% |
| Total risk-based capital ratio | 34.34% |
| Tier 1 leverage ratio | 10.77% |
| Equity capital to assets | 2.38% |
| Tangible equity to tangible assets | 2.38% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.44% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.12% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 227.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.33% |
| Return on equity | 17.25% |
| Net interest margin | 1.92% |
| Efficiency ratio | 72.43% |
| Yield on earning assets | 3.52% |
| Cost of funds | 2.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 18.66% |
| Core deposits to total deposits | 81.84% |
| Brokered deposits to total deposits | 0.73% |
| Deposits to assets | 83.28% |
| Securities to assets | 70.75% |
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 | 35.68% | 35.68% | 36.15% | 10.31% | 0.58% |
| Q4 2023 | 35.74% | 35.74% | 36.12% | 10.41% | 0.50% |
| Q1 2024 | 35.33% | 35.33% | 35.72% | 10.75% | 0.45% |
| Q2 2024 | 35.73% | 35.73% | 36.14% | 10.89% | 0.37% |
| Q3 2024 | 36.07% | 36.07% | 36.49% | 11.00% | 0.26% |
| Q4 2024 | 35.98% | 35.98% | 36.41% | 11.11% | 0.07% |
| Q1 2025 | 36.01% | 36.01% | 36.44% | 11.37% | 0.28% |
| Q2 2025 | 38.23% | 38.23% | 38.70% | 11.20% | 0.25% |
| Q3 2025 | 37.29% | 37.29% | 37.75% | 11.32% | 0.10% |
| Q4 2025 | 37.22% | 37.22% | 37.68% | 11.16% | 0.08% |
| Q1 2026 | 33.99% | 33.99% | 34.40% | 11.12% | 0.10% |
| Q2 2026 | 33.90% | 33.90% | 34.34% | 10.77% | 0.33% |
The Union Banking Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Union Banking 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 Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15326) · FFIEC NIC profile (RSSD 289225)