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 climbed 1450.87 percentage points in Q2 2026, from 522.30% to 1973.17%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Union State Bank is 59th of 225 on return on assets, 1.68% as of Q2 2026, above the middle of the field. Union State Bank reported 1.68% on return on assets for Q2 2026, 0.43 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.28% |
| Equity capital to assets | 13.82% |
| Tangible equity to tangible assets | 8.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 3.73% |
| Allowance for credit losses to loans | 0.77% |
| Reserve coverage of non-performing loans | 1973.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.68% |
| Return on equity | 12.25% |
| Net interest margin | 4.13% |
| Efficiency ratio | 45.51% |
| Yield on earning assets | 5.95% |
| Cost of funds | 1.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.11% |
| Core deposits to total deposits | 87.33% |
| Brokered deposits to total deposits | 1.49% |
| Deposits to assets | 84.49% |
| Securities to assets | 24.45% |
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 | — | — | — | 10.82% | 0.89% |
| Q4 2023 | — | — | — | 10.42% | 0.49% |
| Q1 2024 | 13.35% | 13.35% | 14.30% | 8.54% | 0.60% |
| Q2 2024 | 13.58% | 13.58% | 14.53% | 8.56% | 0.87% |
| Q3 2024 | 13.40% | 13.40% | 14.32% | 8.33% | 0.95% |
| Q4 2024 | 13.53% | 13.53% | 14.30% | 8.40% | 1.53% |
| Q1 2025 | 13.86% | 13.86% | 14.61% | 8.60% | 1.02% |
| Q2 2025 | 13.64% | 13.64% | 14.40% | 8.77% | 0.97% |
| Q3 2025 | — | — | — | 9.03% | 1.17% |
| Q4 2025 | — | — | — | 9.00% | 1.40% |
| Q1 2026 | — | — | — | 9.10% | 1.12% |
| Q2 2026 | — | — | — | 9.28% | 1.68% |
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 8499) · FFIEC NIC profile (RSSD 746942)