Union State 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 Loan-to-deposit ratio: 6.69 percentage points higher than in Q1 2026, at 69.00%. Union State Bank ranks 152nd of 225 Iowa banks on return on assets, in the lower half at 1.19% (Q2 2026). Union State Bank reported 1.19% on return on assets for Q2 2026, 0.07 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.06% |
| Tier 1 risk-based capital ratio | 13.06% |
| Total risk-based capital ratio | 13.67% |
| Tier 1 leverage ratio | 8.12% |
| Equity capital to assets | 7.55% |
| Tangible equity to tangible assets | 7.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.61% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.19% |
| Return on equity | 16.22% |
| Net interest margin | 3.85% |
| Efficiency ratio | 70.83% |
| Yield on earning assets | 5.27% |
| Cost of funds | 1.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.00% |
| Core deposits to total deposits | 91.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.82% |
| Securities to assets | 17.58% |
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 | 12.07% | 12.07% | 12.71% | 7.99% | 0.51% |
| Q4 2023 | 11.51% | 11.51% | 12.14% | 7.62% | 0.38% |
| Q1 2024 | 11.59% | 11.59% | 12.22% | 7.82% | 0.51% |
| Q2 2024 | 11.79% | 11.79% | 12.42% | 7.61% | 0.50% |
| Q3 2024 | 11.60% | 11.60% | 12.20% | 7.90% | 0.67% |
| Q4 2024 | 11.83% | 11.83% | 12.44% | 7.45% | 0.45% |
| Q1 2025 | 11.84% | 11.84% | 12.45% | 8.19% | 0.74% |
| Q2 2025 | 11.93% | 11.93% | 12.54% | 7.98% | 0.86% |
| Q3 2025 | 12.21% | 12.21% | 12.82% | 8.53% | 1.33% |
| Q4 2025 | 12.33% | 12.33% | 12.94% | 7.92% | 0.84% |
| Q1 2026 | 12.67% | 12.67% | 13.26% | 8.46% | 1.16% |
| Q2 2026 | 13.06% | 13.06% | 13.67% | 8.12% | 1.19% |
Union State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Union State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14982) · FFIEC NIC profile (RSSD 148340)