Union County Savings 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.
Reserve coverage of non-performing loans dropped 31.76 percentage points in Q2 2026, from 79.22% to 47.46%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Union County Savings Bank is 5th from the bottom among 49 New Jersey banks, -1.35% (Q2 2026). Union County Savings Bank's return on assets of -1.35% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 2.63 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.79% |
| Tier 1 risk-based capital ratio | 20.79% |
| Total risk-based capital ratio | 21.13% |
| Tier 1 leverage ratio | 7.77% |
| Equity capital to assets | -1.59% |
| Tangible equity to tangible assets | -1.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.37% |
| Non-performing assets ratio | 0.29% |
| Net charge-off ratio | 0.00% |
| Texas ratio | -19.68% |
| Allowance for credit losses to loans | 0.65% |
| Reserve coverage of non-performing loans | 47.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.35% |
| Return on equity | 111.88% |
| Net interest margin | -0.28% |
| Efficiency ratio | -334.39% |
| Yield on earning assets | 2.79% |
| Cost of funds | 3.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 22.86% |
| Core deposits to total deposits | 67.37% |
| Brokered deposits to total deposits | 9.07% |
| Deposits to assets | 91.28% |
| Securities to assets | 69.68% |
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 | 32.32% | 32.32% | 32.54% | 11.33% | -0.87% |
| Q4 2023 | 31.31% | 31.31% | 31.55% | 11.28% | -0.98% |
| Q1 2024 | 29.83% | 29.83% | 30.07% | 10.90% | -1.60% |
| Q2 2024 | 28.93% | 28.93% | 29.21% | 10.38% | -1.60% |
| Q3 2024 | 26.98% | 26.98% | 27.26% | 9.44% | -1.72% |
| Q4 2024 | 24.22% | 24.22% | 24.48% | 8.70% | -1.44% |
| Q1 2025 | 24.06% | 24.06% | 24.36% | 8.52% | -1.39% |
| Q2 2025 | 24.22% | 24.22% | 24.53% | 8.63% | -1.27% |
| Q3 2025 | 23.52% | 23.52% | 23.84% | 8.54% | -1.20% |
| Q4 2025 | 23.37% | 23.37% | 23.69% | 8.32% | -1.18% |
| Q1 2026 | 21.76% | 21.76% | 22.08% | 8.10% | -1.22% |
| Q2 2026 | 20.79% | 20.79% | 21.13% | 7.77% | -1.35% |
Union County Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Union County Savings 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 County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12013) · FFIEC NIC profile (RSSD 373601)