BlastPoint's Banking Scorecard
Union Savings Bank
Community
Specialty: Mortgage
OH
FDIC cert 32296
Cincinnati, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
Union Savings Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 10% in Community
- + Revenue Diversifier: Top 40% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 19% in Community
- - Capital Thin: Bottom 39% in Community
- - Liquidity Strain: Bottom 48% in Community
- - Net Interest Margin 0.99% below tier
- - Non-Interest-Bearing Deposit Share 12.30% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.0B
+3.6% YoY
-0.8% QoQ
|
+$2.7B |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$3.5B
+3.7% YoY
-1.4% QoQ
|
+$2.6B |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$3.5B
+2.1% YoY
+2.2% QoQ
|
+$2.3B |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
1.65%
+99.9% YoY
-2.2% QoQ
|
+0.49% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
2.67%
+34.1% YoY
+3.1% QoQ
|
-0.99% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
54.67%
-22.5% YoY
+4.3% QoQ
|
-7.97% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.51%
+51.9% YoY
-2.4% QoQ
|
-0.12% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
101.52%
+1.5% YoY
-3.5% QoQ
|
+18.46% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.74%
+12.9% YoY
+23.9% QoQ
|
-12.30% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.45%
+54.2% YoY
-1.5% QoQ
|
-0.04% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.13%
+17.2% YoY
+37.4% QoQ
|
+0.39% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#39 of 371 · Top 10% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.65%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#149 of 371 · Top 40% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.13%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.65%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (5)
Credit Risk Growth
risk
#121 of 642 · Bottom 19% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#167 of 432 · Bottom 39% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#248 of 513 · Bottom 48% 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:
101.52%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 9%
in Community
Why this stands out
Current:
2.67%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Community
Why this stands out
Current:
8.74%
(Tier avg: 21.05%, National avg: 21.79%)
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
99
99th pctile
Total Loans
Current: $3.5B · Tier avg: $975.5M
98
98th pctile
Total Deposits
Current: $3.5B · Tier avg: $1.2B
97
97th pctile
Total Assets
Current: $4.0B · Tier avg: $1.4B
89
89th pctile
Non-Interest Income / Assets
Current: 1.13% · Tier avg: 0.74%
82
82th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%
74
74th pctile
Efficiency Ratio
Current: 54.67% · Tier avg: 62.63%
46
46th pctile
Delinquency Rate
Current: 0.51% · Tier avg: 0.63%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
10
10th pctile
Loan-to-Deposit Ratio
Current: 101.52% · Tier avg: 83.06%
9
9th pctile
Net Interest Margin
Current: 2.67% · Tier avg: 3.66%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 8.74% · Tier avg: 21.05%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 8.74% · Tier avg: 21.05%
9
9th pctile
Net Interest Margin
Current: 2.67% · Tier avg: 3.66%
10
10th pctile
Loan-to-Deposit Ratio
Current: 101.52% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
46
46th pctile
Delinquency Rate
Current: 0.51% · Tier avg: 0.63%
74
74th pctile
Efficiency Ratio
Current: 54.67% · Tier avg: 62.63%
82
82th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%
89
89th pctile
Non-Interest Income / Assets
Current: 1.13% · Tier avg: 0.74%
97
97th pctile
Total Assets
Current: $4.0B · Tier avg: $1.4B
98
98th pctile
Total Deposits
Current: $3.5B · Tier avg: $1.2B
99
99th pctile
Total Loans
Current: $3.5B · Tier avg: $975.5M