BlastPoint's Banking Scorecard
Union State Bank
Micro
Specialty: Commercial
AL
FDIC cert 5602
Designations: ✓ Community bank
Pell City, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Union State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.97% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 33.43% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$216.4M
-4.2% YoY
+2.0% QoQ
|
-$1.1M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$84.1M
+11.7% YoY
+1.7% QoQ
|
-$55.1M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$204.7M
-6.2% YoY
+1.4% QoQ
|
+$21.0M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
0.73%
+985.0% YoY
+355.0% QoQ
|
-0.36% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
3.09%
+5.7% YoY
+3.5% QoQ
|
-0.76% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
83.01%
-18.9% YoY
-13.1% QoQ
|
+15.28% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
0.39%
+75.3% YoY
+55.1% QoQ
|
-0.25% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
41.09%
+19.1% YoY
+0.3% QoQ
|
-33.43% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.49%
+2.6% YoY
-6.2% QoQ
|
-0.90% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.25%
+240.9% YoY
+25.6% QoQ
|
-0.20% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
14.24%
+2.1% YoY
+2.9% QoQ
|
+5.39% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
1.53%
+80.7% YoY
+111.3% QoQ
|
+0.97% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.53%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
41.09%
(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
96
96th pctile
Non-Interest Income / Assets
Current: 1.53% · Tier avg: 0.56%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.24% · Tier avg: 8.85%
61
61th pctile
Total Deposits
Current: $204.7M · Tier avg: $183.7M
55
55th pctile
Total Assets
Current: $216.4M · Tier avg: $217.5M
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
50
50th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.64%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.49% · Tier avg: 22.39%
36
36th pctile
Total Loans
Current: $84.1M · Tier avg: $139.2M
29
29th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
19
19th pctile
Net Interest Margin
Current: 3.09% · Tier avg: 3.85%
16
16th pctile
Efficiency Ratio
Current: 83.01% · Tier avg: 67.73%
7
7th pctile
Loan-to-Deposit Ratio
Current: 41.09% · Tier avg: 74.53%
Top Weaknesses
7
7th pctile
Loan-to-Deposit Ratio
Current: 41.09% · Tier avg: 74.53%
16
16th pctile
Efficiency Ratio
Current: 83.01% · Tier avg: 67.73%
19
19th pctile
Net Interest Margin
Current: 3.09% · Tier avg: 3.85%
29
29th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
36
36th pctile
Total Loans
Current: $84.1M · Tier avg: $139.2M
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.49% · Tier avg: 22.39%
50
50th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.64%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
55
55th pctile
Total Assets
Current: $216.4M · Tier avg: $217.5M
61
61th pctile
Total Deposits
Current: $204.7M · Tier avg: $183.7M
69
69th pctile
Tier 1 Capital Ratio
Current: 14.24% · Tier avg: 8.85%
96
96th pctile
Non-Interest Income / Assets
Current: 1.53% · Tier avg: 0.56%