BlastPoint's Banking Scorecard
Union State Bank
Community
Specialty: Commercial
KS
FDIC cert 1869
Arkansas City, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
Union State 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
- - NIB Deposit Bleed: Bottom 16% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$655.2M
-0.9% YoY
-2.2% QoQ
|
-$736.2M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$420.6M
+0.5% YoY
-2.4% QoQ
|
-$554.9M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$560.5M
+1.3% YoY
-2.8% QoQ
|
-$604.1M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.32%
+55.3% YoY
+3.1% QoQ
|
+0.15% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
4.15%
+19.8% YoY
+2.3% QoQ
|
+0.48% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
67.42%
-8.6% YoY
-0.4% QoQ
|
+4.79% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
0.24%
+32.2% QoQ
|
-0.39% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
75.04%
-0.8% YoY
+0.4% QoQ
|
-8.03% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
17.88%
-38.0% YoY
-0.0% QoQ
|
-3.16% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.15%
+31.8% QoQ
|
-0.34% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
14.21%
+9.0% YoY
+5.9% QoQ
|
+3.96% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.69%
+12.1% YoY
+31.1% QoQ
|
-0.05% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
NIB Deposit Bleed
decline
#15 of 89 · Bottom 16% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
17.88%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 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
76
76th pctile
Net Interest Margin
Current: 4.15% · Tier avg: 3.66%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.21% · Tier avg: 10.24%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
67
67th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.63%
64
64th pctile
Return on Assets
Current: 1.32% · Tier avg: 1.16%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.88% · Tier avg: 21.05%
34
34th pctile
Efficiency Ratio
Current: 67.42% · Tier avg: 62.63%
28
28th pctile
Loan-to-Deposit Ratio
Current: 75.04% · Tier avg: 83.06%
23
23th pctile
Total Deposits
Current: $560.5M · Tier avg: $1.2B
22
22th pctile
Total Assets
Current: $655.2M · Tier avg: $1.4B
18
18th pctile
Total Loans
Current: $420.6M · Tier avg: $975.5M
Top Weaknesses
18
18th pctile
Total Loans
Current: $420.6M · Tier avg: $975.5M
22
22th pctile
Total Assets
Current: $655.2M · Tier avg: $1.4B
23
23th pctile
Total Deposits
Current: $560.5M · Tier avg: $1.2B
28
28th pctile
Loan-to-Deposit Ratio
Current: 75.04% · Tier avg: 83.06%
34
34th pctile
Efficiency Ratio
Current: 67.42% · Tier avg: 62.63%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.88% · Tier avg: 21.05%
64
64th pctile
Return on Assets
Current: 1.32% · Tier avg: 1.16%
67
67th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.63%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.21% · Tier avg: 10.24%
76
76th pctile
Net Interest Margin
Current: 4.15% · Tier avg: 3.66%