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 West Salem, WI 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 Ahead of the peer average, behind the median peer. | 1.27% | 1.25% | +0.02% | 49th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.54% | 13.17% | -0.63% | 50th above |
| Net Interest Margin | 3.83% | 3.95% | -0.12% | 43rd below |
| Efficiency Ratio | 57.32% | 61.50% | -4.18% | 61st above |
| PPNR / Avg Assets | 1.71% | — | — | 56th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.60% | 5.67% | -0.07% | 50th above |
| Cost of Funds | 1.94% | 1.87% | +0.07% | 40th below |
| Net Interest Spread | 3.26% | — | — | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.17% | 0.93% | -0.76% | 66th above |
| NPA / Total Assets | 0.11% | — | — | 68th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 36th below |
| ACL / Total Loans | 0.89% | — | — | 16th bottom |
| ACL / NPLs (Coverage) | 513.33% | — | — | 72nd above |
| Texas Ratio | 0.83% | 6.06% | -5.23% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.15% | 11.75% | +0.40% | 66th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.48% | 10.98% | -0.50% | 52nd above |
| TCE / Tangible Assets | 10.48% | — | — | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.33% | 80.44% | -0.11% | 51st above |
| Core Deposit Ratio | 92.81% | 86.95% | +5.86% | 73rd above |
| Wholesale Funding Ratio | 6.38% | — | — | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.11% | — | — | 47th below |
| Loan Growth (Y/Y) | 7.10% | — | — | 60th above |
| Deposit Growth (Y/Y) | 4.52% | — | — | 54th 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.