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 Clay Center, 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 | 0.84% | 1.25% | -0.41% | 24th bottom |
| ROAE | 10.04% | 12.22% | -2.18% | 35th below |
| Net Interest Margin | 3.20% | 3.95% | -0.75% | 15th bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 63.42% | 63.71% | -0.29% | 43rd below |
| PPNR / Avg Assets | 1.13% | — | — | 25th below |
| Yield on Earning Assets | 4.84% | 5.67% | -0.83% | 17th bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.84% | 1.87% | -0.03% | 47th below |
| Net Interest Spread | 2.74% | — | — | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 89th top |
| ACL / Total Loans | 1.29% | — | — | 61st above |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.29% | 11.75% | -1.46% | 37th below |
| Equity / Assets | 8.42% | 10.98% | -2.56% | 18th bottom |
| TCE / Tangible Assets | 8.19% | — | — | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.98% | 80.44% | -14.46% | 76th top |
| Core Deposit Ratio | 91.95% | 86.95% | +5.00% | 67th above |
| Wholesale Funding Ratio | 6.34% | — | — | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.58% | — | — | 43rd below |
| Loan Growth (Y/Y) | -5.33% | — | — | 6th bottom |
| Deposit Growth (Y/Y) | 4.49% | — | — | 53rd above |
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.