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: 184.70 percentage points higher than in Q1 2026, at 605.42%. Union State Bank ranks 108th of 182 Kansas banks on return on assets, in the lower half at 1.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Union State Bank sits 0.10 points higher, at 1.36% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.00% |
| Tier 1 risk-based capital ratio | 14.00% |
| Total risk-based capital ratio | 15.11% |
| Tier 1 leverage ratio | 10.25% |
| Equity capital to assets | 10.70% |
| Tangible equity to tangible assets | 8.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 1.27% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 605.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.36% |
| Return on equity | 12.17% |
| Net interest margin | 4.28% |
| Efficiency ratio | 67.20% |
| Yield on earning assets | 5.75% |
| Cost of funds | 1.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.17% |
| Core deposits to total deposits | 90.46% |
| Brokered deposits to total deposits | 2.23% |
| Deposits to assets | 88.07% |
| Securities to assets | 24.78% |
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 | 11.47% | 11.47% | 12.46% | 8.75% | 0.87% |
| Q4 2023 | 12.44% | 12.44% | 13.46% | 9.26% | 0.74% |
| Q1 2024 | 12.32% | 12.32% | 13.36% | 8.58% | 0.62% |
| Q2 2024 | 12.58% | 12.58% | 13.64% | 8.92% | 0.72% |
| Q3 2024 | 12.52% | 12.52% | 13.56% | 8.90% | 0.90% |
| Q4 2024 | 13.03% | 13.03% | 14.08% | 9.28% | 1.07% |
| Q1 2025 | 13.08% | 13.08% | 14.14% | 9.57% | 1.28% |
| Q2 2025 | 13.30% | 13.30% | 14.38% | 9.58% | 1.19% |
| Q3 2025 | 13.42% | 13.42% | 14.50% | 9.79% | 1.30% |
| Q4 2025 | 14.21% | 14.21% | 15.31% | 10.19% | 1.39% |
| Q1 2026 | 14.29% | 14.29% | 15.42% | 10.37% | 1.17% |
| Q2 2026 | 14.00% | 14.00% | 15.11% | 10.25% | 1.36% |
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 1869) · FFIEC NIC profile (RSSD 227151)