Union 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 18.38 percentage points higher than in Q1 2026, at 261.68%. Union Savings Bank ranks 16th of 27 Connecticut banks on return on assets, in the lower half at 0.83% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Union Savings Bank sits 0.45 points lower, at 0.83% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.48% |
| Equity capital to assets | 9.87% |
| Tangible equity to tangible assets | 9.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.81% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 261.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.83% |
| Return on equity | 8.67% |
| Net interest margin | 3.02% |
| Efficiency ratio | 69.19% |
| Yield on earning assets | 4.56% |
| Cost of funds | 1.65% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.58% |
| Core deposits to total deposits | 90.90% |
| Brokered deposits to total deposits | 2.94% |
| Deposits to assets | 77.20% |
| Securities to assets | 15.44% |
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 | 11.03% | 0.45% | 2.46% | 0.59% | -0.02% |
| Q4 2023 | 10.94% | -0.14% | 2.31% | 0.88% | 0.39% |
| Q1 2024 | 11.26% | 0.39% | 2.39% | 0.84% | 0.13% |
| Q2 2024 | 11.24% | 0.40% | 2.45% | 0.72% | -0.08% |
| Q3 2024 | 11.32% | 0.34% | 2.42% | 0.73% | -0.00% |
| Q4 2024 | 11.14% | -0.22% | 2.47% | 0.75% | 0.56% |
| Q1 2025 | 11.33% | 0.65% | 2.72% | 0.61% | -0.07% |
| Q2 2025 | 11.50% | 0.66% | 2.86% | 0.67% | -0.02% |
| Q3 2025 | 11.53% | 0.68% | 2.93% | 0.63% | -0.01% |
| Q4 2025 | 11.33% | 0.43% | 2.88% | 0.45% | 0.12% |
| Q1 2026 | 11.41% | 0.76% | 2.93% | 0.42% | -0.01% |
| Q2 2026 | 11.48% | 0.83% | 3.02% | 0.39% | -0.01% |
Union Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Union 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18190) · FFIEC NIC profile (RSSD 443205)