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.
Reserve coverage of non-performing loans dropped 52.48 percentage points in Q2 2026, from 92.70% to 40.23%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Union State Bank is 82nd of 93 on return on assets, 0.41% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Union State Bank reported 0.41% on return on assets in Q2 2026, 0.85 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.61% |
| Tier 1 risk-based capital ratio | 13.61% |
| Total risk-based capital ratio | 14.29% |
| Tier 1 leverage ratio | 9.61% |
| Equity capital to assets | 5.56% |
| Tangible equity to tangible assets | 5.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.24% |
| Non-performing assets ratio | 1.15% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 17.41% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 40.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.41% |
| Return on equity | 7.36% |
| Net interest margin | 3.58% |
| Efficiency ratio | 87.61% |
| Yield on earning assets | 4.59% |
| Cost of funds | 1.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 51.67% |
| Core deposits to total deposits | 94.91% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.21% |
| Securities to assets | 31.87% |
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 | 14.16% | 14.16% | 14.84% | 8.26% | 0.70% |
| Q4 2023 | 14.16% | 14.16% | 14.84% | 8.33% | 0.08% |
| Q1 2024 | 14.62% | 14.62% | 15.52% | 8.46% | -0.10% |
| Q2 2024 | 13.81% | 13.81% | 14.66% | 8.72% | -0.09% |
| Q3 2024 | 13.73% | 13.73% | 14.59% | 8.45% | -0.36% |
| Q4 2024 | 13.94% | 13.94% | 14.81% | 8.30% | 0.21% |
| Q1 2025 | 13.84% | 13.84% | 14.69% | 8.47% | 0.10% |
| Q2 2025 | 13.30% | 13.30% | 14.09% | 8.52% | 0.32% |
| Q3 2025 | 13.85% | 13.85% | 14.67% | 8.83% | 0.07% |
| Q4 2025 | 14.24% | 14.24% | 14.92% | 9.46% | 2.52% |
| Q1 2026 | 14.47% | 14.47% | 15.15% | 9.55% | 0.46% |
| Q2 2026 | 13.61% | 13.61% | 14.29% | 9.61% | 0.41% |
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 5602) · FFIEC NIC profile (RSSD 467733)