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 Greenfield, IA against its peer group of 2672 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 | 1.68% | 1.35% | +0.33% | 73rd above |
| ROAE Ahead of the peer average, behind the median peer. | 12.25% | 12.05% | +0.20% | 49th below |
| Net Interest Margin | 4.13% | 3.90% | +0.23% | 61st above |
| Efficiency Ratio | 45.51% | 63.16% | -17.65% | 89th top |
| PPNR / Avg Assets | 1.86% | 1.64% | +0.22% | 66th above |
| Yield on Earning Assets | 5.95% | 5.65% | +0.30% | 66th above |
| Cost of Funds | 1.87% | 1.85% | +0.02% | 45th below |
| Net Interest Spread | 3.95% | 3.35% | +0.60% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.92% | -0.88% | 80th top |
| NPA / Total Assets | 0.04% | 0.67% | -0.63% | 79th top |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 81st top |
| ACL / Total Loans | 0.77% | 1.28% | -0.51% | 9th bottom |
| ACL / NPLs (Coverage) | 1973.17% | 1645.00% | +328.17% | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.73% | 7.15% | -3.42% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.28% | 12.46% | -3.18% | 17th bottom |
| Equity / Assets | 13.82% | 11.67% | +2.15% | 83rd top |
| TCE / Tangible Assets | 8.96% | 11.40% | -2.44% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.11% | 78.65% | -4.54% | 63rd above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.33% | 87.09% | +0.24% | 40th below |
| Wholesale Funding Ratio | 1.21% | 5.12% | -3.91% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.52% | 6.47% | -1.95% | 51st above |
| Loan Growth (Y/Y) | 11.22% | 7.64% | +3.58% | 77th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.01% | 6.02% | -2.01% | 50th above |
See Union State Bank's peers by name
The 2672 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.