BlastPoint's Banking Scorecard
The Union Banking Company
Micro
Specialty: Other
OH
FDIC cert 15326
Designations: ✓ Community bank
West Mansfield, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Union Banking Company has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 28.37% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.89% below tier
- - Net Interest Margin 2.03% below tier
- - Efficiency Ratio 21.75% above tier
- - Loan-to-Deposit Ratio 57.94% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$51.6M
+2.6% YoY
+0.9% QoQ
|
-$165.8M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$7.0M
-0.5% YoY
+15.6% QoQ
|
-$132.2M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$42.1M
-0.7% YoY
+0.6% QoQ
|
-$141.6M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
0.20%
-38.6% YoY
-16.0% QoQ
|
-0.89% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
1.83%
-3.5% YoY
-0.4% QoQ
|
-2.03% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
89.47%
+8.1% YoY
+2.3% QoQ
|
+21.75% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.82%
-6.1% YoY
-15.0% QoQ
|
+0.18% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
16.59%
+0.2% YoY
+14.9% QoQ
|
-57.94% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.85%
-3.7% YoY
+3.9% QoQ
|
-8.54% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.11%
-8.9% YoY
-2.6% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
37.22%
+3.5% YoY
-0.2% QoQ
|
+28.37% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.13%
+0.4% YoY
+34.7% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
37.22%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (4)
Return on Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.20%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
1.83%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
89.47%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
16.59%
(Tier avg: 74.53%, National avg: 78.04%)
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
98
98th pctile
Tier 1 Capital Ratio
Current: 37.22% · Tier avg: 8.85%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
34
34th pctile
Delinquency Rate
Current: 0.82% · Tier avg: 0.64%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.85% · Tier avg: 22.39%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
10
10th pctile
Return on Assets
Current: 0.20% · Tier avg: 1.08%
9
9th pctile
Efficiency Ratio
Current: 89.47% · Tier avg: 67.73%
8
8th pctile
Total Deposits
Current: $42.1M · Tier avg: $183.7M
7
7th pctile
Total Assets
Current: $51.6M · Tier avg: $217.5M
2
2th pctile
Total Loans
Current: $7.0M · Tier avg: $139.2M
2
2th pctile
Net Interest Margin
Current: 1.83% · Tier avg: 3.85%
0
0th pctile
Loan-to-Deposit Ratio
Current: 16.59% · Tier avg: 74.53%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 16.59% · Tier avg: 74.53%
2
2th pctile
Net Interest Margin
Current: 1.83% · Tier avg: 3.85%
2
2th pctile
Total Loans
Current: $7.0M · Tier avg: $139.2M
7
7th pctile
Total Assets
Current: $51.6M · Tier avg: $217.5M
8
8th pctile
Total Deposits
Current: $42.1M · Tier avg: $183.7M
9
9th pctile
Efficiency Ratio
Current: 89.47% · Tier avg: 67.73%
10
10th pctile
Return on Assets
Current: 0.20% · Tier avg: 1.08%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.85% · Tier avg: 22.39%
34
34th pctile
Delinquency Rate
Current: 0.82% · Tier avg: 0.64%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
98
98th pctile
Tier 1 Capital Ratio
Current: 37.22% · Tier avg: 8.85%