BlastPoint's Banking Scorecard
Union State Bank
Micro
Specialty: Agricultural
KS
FDIC cert 16788
Designations: ✓ Community bank
Uniontown, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Union State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.19% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$70.9M
-2.9% YoY
+2.9% QoQ
|
-$146.6M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$53.2M
+8.0% YoY
+5.4% QoQ
|
-$86.0M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$62.9M
-3.4% YoY
+3.3% QoQ
|
-$120.8M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 15% in tier |
| Return on Assets ? |
1.51%
+1.0% YoY
-10.5% QoQ
|
+0.42% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
5.04%
-0.2% YoY
+0.8% QoQ
|
+1.19% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
70.09%
+1.5% YoY
+5.6% QoQ
|
+2.36% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.23%
-6.7% QoQ
|
-0.41% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
84.55%
+11.8% YoY
+2.1% QoQ
|
+10.02% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
29.17%
+0.1% YoY
+2.8% QoQ
|
+6.78% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.17%
+4.7% YoY
-51.6% QoQ
|
-0.28% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
13.94%
+4.2% YoY
-5.6% QoQ
|
+5.08% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.87%
+4.1% YoY
+26.1% QoQ
|
+0.30% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.04%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
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
91
91th pctile
Net Interest Margin
Current: 5.04% · Tier avg: 3.85%
89
89th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.56%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.17% · Tier avg: 22.39%
75
75th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.08%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.94% · Tier avg: 8.85%
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
40
40th pctile
Efficiency Ratio
Current: 70.09% · Tier avg: 67.73%
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.55% · Tier avg: 74.53%
22
22th pctile
Total Loans
Current: $53.2M · Tier avg: $139.2M
15
15th pctile
Total Deposits
Current: $62.9M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $70.9M · Tier avg: $217.5M
Top Weaknesses
13
13th pctile
Total Assets
Current: $70.9M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $62.9M · Tier avg: $183.7M
22
22th pctile
Total Loans
Current: $53.2M · Tier avg: $139.2M
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.55% · Tier avg: 74.53%
40
40th pctile
Efficiency Ratio
Current: 70.09% · Tier avg: 67.73%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.94% · Tier avg: 8.85%
75
75th pctile
Return on Assets
Current: 1.51% · Tier avg: 1.08%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.17% · Tier avg: 22.39%
89
89th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.56%
91
91th pctile
Net Interest Margin
Current: 5.04% · Tier avg: 3.85%