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.
Reserve coverage of non-performing loans climbed 46.94 percentage points in Q2 2026, from 989.01% to 1035.96%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Union Savings Bank is 27th from the bottom among 323 Illinois banks, 0.22% (Q2 2026). Union Savings Bank's return on assets of 0.22% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.02 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.59% |
| Tier 1 risk-based capital ratio | 15.59% |
| Total risk-based capital ratio | 16.42% |
| Tier 1 leverage ratio | 9.52% |
| Equity capital to assets | 7.94% |
| Tangible equity to tangible assets | 7.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.05% |
| Allowance for credit losses to loans | 0.79% |
| Reserve coverage of non-performing loans | 1035.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.22% |
| Return on equity | 2.85% |
| Net interest margin | 3.64% |
| Efficiency ratio | 91.03% |
| Yield on earning assets | 4.85% |
| Cost of funds | 1.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.91% |
| Core deposits to total deposits | 97.27% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.24% |
| Securities to assets | 24.95% |
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 | — | — | — | 9.28% | -0.11% |
| Q4 2023 | — | — | — | 9.25% | -0.36% |
| Q1 2024 | 15.08% | 15.08% | 15.92% | 8.93% | -0.14% |
| Q2 2024 | 14.42% | 14.42% | 15.22% | 9.07% | -0.02% |
| Q3 2024 | — | — | — | 9.43% | -0.02% |
| Q4 2024 | 14.80% | 14.80% | 15.64% | 9.30% | 0.03% |
| Q1 2025 | 15.46% | 15.46% | 16.32% | 9.23% | 0.09% |
| Q2 2025 | 14.41% | 14.41% | 15.19% | 9.28% | 0.20% |
| Q3 2025 | 15.50% | 15.50% | 16.34% | 9.49% | 0.31% |
| Q4 2025 | 14.88% | 14.88% | 15.67% | 9.43% | 0.30% |
| Q1 2026 | 15.55% | 15.55% | 16.36% | 9.55% | 0.40% |
| Q2 2026 | 15.59% | 15.59% | 16.42% | 9.52% | 0.22% |
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 29121) · FFIEC NIC profile (RSSD 817477)