United Bank of Union: 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 Reserve coverage of non-performing loans: 24.26 percentage points higher than in Q1 2026, at 64.32%. Within Missouri, United Bank of Union is 84th of 192 on return on assets, 1.55% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. United Bank of Union sits 0.30 points higher, at 1.55% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.65% |
| Equity capital to assets | 8.32% |
| Tangible equity to tangible assets | 8.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.36% |
| Non-performing assets ratio | 1.97% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 20.56% |
| Allowance for credit losses to loans | 1.52% |
| Reserve coverage of non-performing loans | 64.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.55% |
| Return on equity | 19.04% |
| Net interest margin | 4.05% |
| Efficiency ratio | 59.76% |
| Yield on earning assets | 6.02% |
| Cost of funds | 2.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.40% |
| Core deposits to total deposits | 88.91% |
| Brokered deposits to total deposits | 4.19% |
| Deposits to assets | 85.03% |
| Securities to assets | 9.94% |
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 | — | — | — | 9.35% | 1.04% |
| Q4 2023 | — | — | — | 9.11% | 0.95% |
| Q1 2024 | — | — | — | 8.96% | 0.93% |
| Q2 2024 | — | — | — | 8.89% | 0.94% |
| Q3 2024 | 10.58% | 10.58% | 11.83% | 8.96% | 1.16% |
| Q4 2024 | 10.91% | 10.91% | 12.17% | 8.80% | -0.24% |
| Q1 2025 | — | — | — | 9.06% | 1.17% |
| Q2 2025 | — | — | — | 9.43% | 1.35% |
| Q3 2025 | — | — | — | 9.41% | 1.49% |
| Q4 2025 | — | — | — | 9.51% | 1.44% |
| Q1 2026 | — | — | — | 9.37% | 1.32% |
| Q2 2026 | — | — | — | 9.65% | 1.55% |
United Bank of Union vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank of Union, 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 United Bank of Union profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14334) · FFIEC NIC profile (RSSD 562058)