BlastPoint's Banking Scorecard
The Union Bank Company
Community
Specialty: Commercial
OH
FDIC cert 12969
Columbus Grove, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
The Union Bank Company faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 42% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+0.4% YoY
-0.5% QoQ
|
-$201.6M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$816.5M
+7.6% YoY
+2.5% QoQ
|
-$159.0M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$1.1B
-1.3% YoY
-1.1% QoQ
|
-$107.1M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
1.05%
+23.0% YoY
+2.1% QoQ
|
-0.12% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
3.84%
+17.5% YoY
+2.9% QoQ
|
+0.17% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
69.24%
-9.4% YoY
+0.3% QoQ
|
+6.61% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.20%
-31.4% YoY
-34.1% QoQ
|
-0.43% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
77.21%
+9.0% YoY
+3.7% QoQ
|
-5.85% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
16.96%
+11.4% YoY
+6.7% QoQ
|
-4.09% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.30%
-17.8% YoY
-20.9% QoQ
|
-0.20% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
15.44%
+0.7% YoY
-1.5% QoQ
|
+5.20% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.62%
-14.6% YoY
+32.2% QoQ
|
-0.12% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Flatlined Growth
risk
#104 of 245 · Bottom 42% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.05%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
79
79th pctile
Tier 1 Capital Ratio
Current: 15.44% · Tier avg: 10.24%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
68
68th pctile
Loan-to-Deposit Ratio
Current: 77.21% · Tier avg: 83.06%
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
62
62th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.66%
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
58
58th pctile
Total Loans
Current: $816.5M · Tier avg: $975.5M
55
55th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
43
43th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.96% · Tier avg: 21.05%
29
29th pctile
Efficiency Ratio
Current: 69.24% · Tier avg: 62.63%
Top Weaknesses
29
29th pctile
Efficiency Ratio
Current: 69.24% · Tier avg: 62.63%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.96% · Tier avg: 21.05%
43
43th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
58
58th pctile
Total Loans
Current: $816.5M · Tier avg: $975.5M
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
62
62th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.66%
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
68
68th pctile
Loan-to-Deposit Ratio
Current: 77.21% · Tier avg: 83.06%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.44% · Tier avg: 10.24%