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 dropped 10.08 percentage points in Q2 2026, from 125.60% to 115.52%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Union Savings Bank is 16th of 156 on return on assets, 1.85% as of Q2 2026, above the middle of the field. Union Savings Bank reported 1.85% on return on assets for Q2 2026, 0.57 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.51% |
| Equity capital to assets | 10.17% |
| Tangible equity to tangible assets | 10.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.71% |
| Non-performing assets ratio | 0.63% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 5.80% |
| Allowance for credit losses to loans | 0.81% |
| Reserve coverage of non-performing loans | 115.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.85% |
| Return on equity | 17.63% |
| Net interest margin | 2.96% |
| Efficiency ratio | 51.79% |
| Yield on earning assets | 5.89% |
| Cost of funds | 3.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.54% |
| Core deposits to total deposits | 89.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.94% |
| Securities to assets | 0.20% |
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 | 10.79% | 1.16% | 2.11% | 0.18% | 0.00% |
| Q4 2023 | 10.41% | 0.43% | 1.94% | 0.25% | -0.00% |
| Q1 2024 | 10.43% | 0.61% | 1.89% | 0.20% | 0.00% |
| Q2 2024 | 10.38% | 0.85% | 1.93% | 0.20% | -0.00% |
| Q3 2024 | 10.38% | 1.17% | 1.94% | 0.26% | -0.00% |
| Q4 2024 | 10.48% | 0.80% | 2.25% | 0.34% | -0.00% |
| Q1 2025 | 10.50% | 1.10% | 2.39% | 0.43% | -0.00% |
| Q2 2025 | 10.40% | 1.49% | 2.66% | 0.35% | 0.02% |
| Q3 2025 | 10.38% | 2.58% | 2.72% | 0.48% | -0.00% |
| Q4 2025 | 10.30% | 1.56% | 2.87% | 0.51% | -0.00% |
| Q1 2026 | 10.44% | 2.31% | 2.98% | 0.64% | -0.01% |
| Q2 2026 | 10.51% | 1.85% | 2.96% | 0.71% | -0.00% |
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 32296) · FFIEC NIC profile (RSSD 911973)