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 Arkansas City, KS against its peer group of 2757 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 | 1.36% | 1.25% | +0.11% | 55th above |
| ROAE | 12.17% | 12.22% | -0.05% | 48th below |
| Net Interest Margin | 4.28% | 3.95% | +0.33% | 69th above |
| Efficiency Ratio | 67.20% | 63.71% | +3.49% | 33rd below |
| PPNR / Avg Assets | 1.45% | — | — | 41st below |
| Yield on Earning Assets | 5.75% | 5.67% | +0.08% | 57th above |
| Cost of Funds | 1.58% | 1.87% | -0.29% | 64th above |
| Net Interest Spread | 3.84% | — | — | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.88% | -0.69% | 66th above |
| NPA / Total Assets | 0.12% | — | — | 69th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 34th below |
| ACL / Total Loans | 1.15% | — | — | 44th below |
| ACL / NPLs (Coverage) | 605.42% | — | — | 74th above |
| Texas Ratio | 1.27% | 5.96% | -4.69% | 65th above |
| Provision / NCO | 490.91% | — | — | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.00% | 17.18% | -3.18% | 39th below |
| Tier 1 Ratio | 14.00% | 17.21% | -3.21% | 38th below |
| Total Capital Ratio | 15.11% | — | — | 39th below |
| Leverage Ratio | 10.25% | 11.75% | -1.50% | 36th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.70% | 10.98% | -0.28% | 55th above |
| TCE / Tangible Assets | 8.60% | — | — | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.17% | 80.44% | -11.27% | 72nd above |
| Core Deposit Ratio | 90.46% | 86.95% | +3.51% | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.06% | — | — | 62nd above |
| Loan Growth (Y/Y) | 1.26% | — | — | 27th below |
| Deposit Growth (Y/Y) | 8.64% | — | — | 78th top |
See Union State Bank's peers by name
The 2757 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Union State Bank peer analysis.