BlastPoint's Banking Scorecard
Union Savings Bank
Community
Specialty: Commercial
CT
FDIC cert 18190
Danbury, CT
1484
banks in Community tier nationally
21 in CT
View Community leaderboard (CT) →
Union Savings Bank 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
- - Liquidity Strain: Bottom 39% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+6.8% YoY
+1.8% QoQ
|
+$1.9B |
$1.4B
+2.0% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$2.3B
+8.8% YoY
+1.6% QoQ
|
+$1.3B |
$975.5M
+2.4% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$2.5B
+6.5% YoY
+5.4% QoQ
|
+$1.3B |
$1.2B
+1.7% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
0.61%
+162.4% YoY
-9.2% QoQ
|
-0.55% |
1.16%
+17.2% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
2.95%
+14.4% YoY
+0.4% QoQ
|
-0.71% |
3.66%
+9.1% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
75.82%
-6.9% YoY
+3.6% QoQ
|
+13.19% |
62.63%
-5.3% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
15% |
| Delinquency Rate ? |
0.34%
-40.8% YoY
-0.9% QoQ
|
-0.29% |
0.63%
+18.3% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
92.46%
+2.2% YoY
-3.7% QoQ
|
+9.39% |
83.06%
+0.3% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
26.85%
-6.6% YoY
-4.4% QoQ
|
+5.80% |
21.05%
-0.9% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.23%
-39.7% YoY
-1.2% QoQ
|
-0.26% |
0.50%
+20.3% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.62%
-8.5% YoY
+32.9% QoQ
|
-0.12% |
0.74%
-1.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#200 of 513 · Bottom 39% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.46%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
92
92th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M
91
91th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.85% · Tier avg: 21.05%
72
72th pctile
Loan-to-Deposit Ratio
Current: 92.46% · Tier avg: 83.06%
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
58
58th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
16
16th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.66%
16
16th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.16%
15
15th pctile
Efficiency Ratio
Current: 75.82% · Tier avg: 62.63%
Top Weaknesses
15
15th pctile
Efficiency Ratio
Current: 75.82% · Tier avg: 62.63%
16
16th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.16%
16
16th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
58
58th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.63%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
72
72th pctile
Loan-to-Deposit Ratio
Current: 92.46% · Tier avg: 83.06%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.85% · Tier avg: 21.05%
91
91th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
92
92th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B