Union State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Union State Bank of Winterset, IA 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 | 1.19% | 1.35% | -0.16% | 44th below |
| ROAE | 16.22% | 12.05% | +4.17% | 72nd above |
| Net Interest Margin | 3.85% | 3.90% | -0.05% | 45th below |
| Efficiency Ratio | 70.83% | 63.15% | +7.68% | 26th below |
| PPNR / Avg Assets | 1.20% | 1.64% | -0.44% | 29th below |
| Yield on Earning Assets | 5.27% | 5.65% | -0.38% | 34th below |
| Cost of Funds | 1.48% | 1.85% | -0.37% | 70th above |
| Net Interest Spread | 3.36% | 3.35% | +0.01% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 37th below |
| ACL / Total Loans | 0.61% | 1.28% | -0.67% | 5th bottom |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
| Provision / NCO | 33.33% | 1189.90% | -1156.57% | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.06% | 20.83% | -7.77% | 29th below |
| Tier 1 Ratio | 13.06% | 20.87% | -7.81% | 29th below |
| Total Capital Ratio | 13.67% | 21.94% | -8.27% | 23rd bottom |
| Leverage Ratio | 8.12% | 12.47% | -4.35% | 3rd bottom |
| Equity / Assets | 7.55% | 11.67% | -4.12% | 9th bottom |
| TCE / Tangible Assets | 7.55% | 11.40% | -3.85% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.00% | 78.65% | -9.65% | 72nd above |
| Core Deposit Ratio | 91.57% | 87.09% | +4.48% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.20% | 6.47% | +1.73% | 76th top |
| Loan Growth (Y/Y) | 0.60% | 7.64% | -7.04% | 25th below |
| Deposit Growth (Y/Y) | 7.88% | 6.02% | +1.86% | 75th top |
See Union State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Union State 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 State Bank profile, how to read a UBPR, or how this data updates.