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 Securities to assets: 4.04 percentage points higher than in Q1 2026, at 34.58%. Within Kansas, Union State Bank is 163rd of 182 on return on assets, 0.84% as of Q2 2026. Union State Bank reported 0.84% on return on assets for Q2 2026, 0.42 points below the 1.26% 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 | 10.29% |
| Equity capital to assets | 8.42% |
| Tangible equity to tangible assets | 8.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.84% |
| Return on equity | 10.04% |
| Net interest margin | 3.20% |
| Efficiency ratio | 63.42% |
| Yield on earning assets | 4.84% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.98% |
| Core deposits to total deposits | 91.95% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.99% |
| Securities to assets | 34.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.29% | 0.46% | 2.55% | 0.00% | 0.00% |
| Q4 2023 | 10.29% | 0.41% | 2.58% | 0.00% | -0.02% |
| Q1 2024 | 10.32% | 0.45% | 2.50% | 0.00% | 0.02% |
| Q2 2024 | 10.54% | 0.50% | 2.50% | 0.00% | -0.02% |
| Q3 2024 | 10.56% | 0.43% | 2.52% | 0.27% | -0.11% |
| Q4 2024 | 9.72% | 0.39% | 2.70% | 0.09% | 0.02% |
| Q1 2025 | 9.69% | 0.58% | 2.77% | 0.00% | -0.01% |
| Q2 2025 | 9.76% | 0.73% | 2.93% | 0.05% | 0.03% |
| Q3 2025 | 9.96% | 0.72% | 3.09% | 0.06% | 0.00% |
| Q4 2025 | 10.15% | 0.98% | 3.22% | 0.01% | -0.05% |
| Q1 2026 | 10.04% | 0.87% | 3.16% | 0.00% | -0.01% |
| Q2 2026 | 10.29% | 0.84% | 3.20% | 0.00% | -0.01% |
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 15908) · FFIEC NIC profile (RSSD 865759)