BlastPoint's Banking Scorecard
Union State Bank
Micro
Specialty: Agricultural
KS
FDIC cert 15098
Designations: ✓ Community bank
Olsburg, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Union State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 16.89% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$41.8M
+9.0% YoY
+4.9% QoQ
|
-$175.7M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$19.5M
+19.1% YoY
+20.1% QoQ
|
-$119.7M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$36.8M
+7.7% YoY
+5.8% QoQ
|
-$146.8M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
1.21%
+12.6% YoY
-13.1% QoQ
|
+0.12% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
3.43%
+4.0% YoY
-0.7% QoQ
|
-0.43% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
61.67%
-3.3% YoY
+9.7% QoQ
|
-6.05% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
52.92%
+10.6% YoY
+13.5% QoQ
|
-21.60% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
21.76%
-15.3% YoY
-0.6% QoQ
|
-0.64% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
25.75%
-2.3% YoY
-10.0% QoQ
|
+16.89% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.07%
-13.8% YoY
+23.1% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
25.75%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
94
94th pctile
Tier 1 Capital Ratio
Current: 25.75% · Tier avg: 8.85%
84
84th pctile
Loan-to-Deposit Ratio
Current: 52.92% · Tier avg: 74.53%
62
62th pctile
Efficiency Ratio
Current: 61.67% · Tier avg: 67.73%
59
59th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.08%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.76% · Tier avg: 22.39%
30
30th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.85%
6
6th pctile
Total Loans
Current: $19.5M · Tier avg: $139.2M
6
6th pctile
Total Deposits
Current: $36.8M · Tier avg: $183.7M
5
5th pctile
Total Assets
Current: $41.8M · Tier avg: $217.5M
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
5
5th pctile
Total Assets
Current: $41.8M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $36.8M · Tier avg: $183.7M
6
6th pctile
Total Loans
Current: $19.5M · Tier avg: $139.2M
30
30th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.85%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.76% · Tier avg: 22.39%
59
59th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.08%
62
62th pctile
Efficiency Ratio
Current: 61.67% · Tier avg: 67.73%
84
84th pctile
Loan-to-Deposit Ratio
Current: 52.92% · Tier avg: 74.53%
94
94th pctile
Tier 1 Capital Ratio
Current: 25.75% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%