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 Reserve coverage of non-performing loans: 52.98 percentage points higher than in Q1 2026, at 557.14%. On return on assets, Union State Bank ranks 3rd highest among the 182 banks headquartered in Kansas, at 3.94% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Union State Bank reported 3.94% on return on assets in Q2 2026, 2.96 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.96% |
| Tier 1 risk-based capital ratio | 14.96% |
| Total risk-based capital ratio | 16.07% |
| Tier 1 leverage ratio | 10.36% |
| Equity capital to assets | 9.52% |
| Tangible equity to tangible assets | 9.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.18% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 1.38% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 557.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.94% |
| Return on equity | 45.15% |
| Net interest margin | 4.90% |
| Efficiency ratio | 45.83% |
| Yield on earning assets | 6.23% |
| Cost of funds | 1.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.52% |
| Core deposits to total deposits | 93.28% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.29% |
| Securities to assets | 17.65% |
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 | 13.20% | 13.20% | 14.29% | 8.87% | 1.39% |
| Q4 2023 | 13.33% | 13.33% | 14.44% | 8.58% | 1.37% |
| Q1 2024 | 13.87% | 13.87% | 15.04% | 8.93% | 1.61% |
| Q2 2024 | 13.49% | 13.49% | 14.58% | 9.17% | 1.76% |
| Q3 2024 | 14.42% | 14.42% | 15.62% | 9.28% | 1.57% |
| Q4 2024 | 13.37% | 13.37% | 14.51% | 8.80% | 1.01% |
| Q1 2025 | 14.01% | 14.01% | 15.21% | 9.24% | 1.70% |
| Q2 2025 | 14.18% | 14.18% | 15.38% | 9.48% | 1.76% |
| Q3 2025 | 14.77% | 14.77% | 16.01% | 9.87% | 1.55% |
| Q4 2025 | 13.94% | 13.94% | 15.11% | 9.59% | 0.94% |
| Q1 2026 | 14.15% | 14.15% | 15.33% | 9.73% | 1.66% |
| Q2 2026 | 14.96% | 14.96% | 16.07% | 10.36% | 3.94% |
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 16788) · FFIEC NIC profile (RSSD 206950)