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 Olsburg, KS against its peer group of 578 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 | 1.53% | 0.85% | +0.68% | 69th above |
| ROAE | 13.85% | 5.23% | +8.62% | 76th top |
| Net Interest Margin | 3.33% | 3.94% | -0.61% | 25th below |
| Efficiency Ratio | 49.13% | 76.13% | -27.00% | 89th top |
| PPNR / Avg Assets | 1.62% | — | — | 65th above |
| Yield on Earning Assets | 4.82% | 5.42% | -0.60% | 33rd below |
| Cost of Funds | 1.87% | 1.69% | +0.18% | 34th below |
| Net Interest Spread | 2.95% | — | — | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.23% | -1.23% | 86th top |
| NPA / Total Assets | 0.00% | — | — | 83rd top |
| NCO / Avg Loans | -0.64% | 0.11% | -0.75% | 99th top |
| ACL / Total Loans | 3.91% | — | — | 96th top |
| Texas Ratio | 0.00% | 7.23% | -7.23% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 28.19% | 25.12% | +3.07% | 64th above |
| Tier 1 Ratio | 28.19% | 25.12% | +3.07% | 64th above |
| Total Capital Ratio | 30.80% | — | — | 66th above |
| Leverage Ratio | 12.65% | 14.13% | -1.48% | 46th below |
| Equity / Assets | 11.44% | 13.07% | -1.63% | 40th below |
| TCE / Tangible Assets | 11.44% | — | — | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 49.42% | 68.58% | -19.16% | 72nd above |
| Core Deposit Ratio | 98.56% | 88.79% | +9.77% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.62% | — | — | 87th top |
| Loan Growth (Y/Y) | 14.19% | — | — | 85th top |
| Deposit Growth (Y/Y) | 11.85% | — | — | 88th top |
See Union State Bank's peers by name
The 578 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.