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 Uniontown, KS against its peer group of 506 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 | 3.94% | 3.13% | +0.81% | 93rd top |
| ROAE | 45.15% | 10.23% | +34.92% | 99th top |
| Net Interest Margin | 4.90% | 3.94% | +0.96% | 84th top |
| Efficiency Ratio | 45.83% | 76.38% | -30.55% | 92nd top |
| PPNR / Avg Assets | 4.04% | 1.40% | +2.64% | 95th top |
| Yield on Earning Assets | 6.23% | 5.35% | +0.88% | 82nd top |
| Cost of Funds | 1.42% | 1.70% | -0.28% | 57th above |
| Net Interest Spread | 4.32% | 3.32% | +1.00% | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 1.34% | -1.16% | 54th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.14% | 0.71% | -0.57% | 49th below |
| NCO / Avg Loans | 0.14% | 0.10% | +0.04% | 12th bottom |
| ACL / Total Loans | 1.03% | 1.49% | -0.46% | 30th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 557.14% | 866.10% | -308.96% | 82nd top |
| Texas Ratio | 1.38% | 8.28% | -6.90% | 55th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 71.43% | 291.06% | -219.63% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.96% | 62.37% | -47.41% | 22nd bottom |
| Tier 1 Ratio | 14.96% | 62.38% | -47.42% | 22nd bottom |
| Total Capital Ratio | 16.07% | 63.34% | -47.27% | 23rd bottom |
| Leverage Ratio | 10.36% | 17.66% | -7.30% | 21st bottom |
| Equity / Assets | 9.52% | 16.46% | -6.94% | 22nd bottom |
| TCE / Tangible Assets | 9.52% | 16.21% | -6.69% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.52% | 72.80% | +14.72% | 21st bottom |
| Core Deposit Ratio | 93.28% | 88.27% | +5.01% | 62nd above |
| Wholesale Funding Ratio | 1.54% | 5.20% | -3.66% | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.03% | 4.26% | +1.77% | 69th above |
| Loan Growth (Y/Y) | 12.88% | 6.74% | +6.14% | 83rd top |
| Deposit Growth (Y/Y) | 5.70% | 3.72% | +1.98% | 69th above |
See Union State Bank's peers by name
The 506 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.