Union Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Union Savings Bank of Freeport, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.22% | 1.35% | -1.13% | 7th bottom |
| ROAE | 2.85% | 12.06% | -9.21% | 9th bottom |
| Net Interest Margin | 3.64% | 3.90% | -0.26% | 34th below |
| Efficiency Ratio | 91.03% | 63.14% | +27.89% | 6th bottom |
| PPNR / Avg Assets | 0.41% | 1.64% | -1.23% | 7th bottom |
| Yield on Earning Assets | 4.85% | 5.65% | -0.80% | 18th bottom |
| Cost of Funds | 1.26% | 1.85% | -0.59% | 82nd top |
| Net Interest Spread | 3.40% | 3.35% | +0.05% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.92% | -0.84% | 76th top |
| NPA / Total Assets | 0.05% | 0.67% | -0.62% | 77th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 40th below |
| ACL / Total Loans | 0.79% | 1.28% | -0.49% | 10th bottom |
| ACL / NPLs (Coverage) | 1035.96% | 1645.40% | -609.44% | — |
| Texas Ratio | 2.05% | 7.15% | -5.10% | 62nd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 357.14% | 1189.71% | -832.57% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.59% | 20.83% | -5.24% | 55th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.59% | 20.86% | -5.27% | 54th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.42% | 21.94% | -5.52% | 51st above |
| Leverage Ratio | 9.52% | 12.46% | -2.94% | 22nd bottom |
| Equity / Assets | 7.94% | 11.67% | -3.73% | 13th bottom |
| TCE / Tangible Assets | 7.94% | 11.40% | -3.46% | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.91% | 78.65% | -8.74% | 70th above |
| Core Deposit Ratio | 97.27% | 87.09% | +10.18% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.33% | 6.48% | -7.81% | 13th bottom |
| Loan Growth (Y/Y) | 2.75% | 7.64% | -4.89% | 35th below |
| Deposit Growth (Y/Y) | -2.22% | 6.03% | -8.25% | 13th bottom |
See Union Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Union Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Union Savings Bank profile, how to read a UBPR, or how this data updates.