BlastPoint's Banking Scorecard
Union State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 8499
Designations: ✓ Community bank
Greenfield, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
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
- - Non-Interest-Bearing Deposit Share 14.81% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$164.6M
+1.5% YoY
+1.7% QoQ
|
-$52.9M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$99.2M
+10.5% YoY
+2.4% QoQ
|
-$40.0M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$138.8M
+0.3% YoY
+3.6% QoQ
|
-$44.8M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
1.15%
+6.2% YoY
+8.3% QoQ
|
+0.06% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
3.95%
-3.4% YoY
+0.7% QoQ
|
+0.10% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
58.88%
-8.7% YoY
-1.5% QoQ
|
-8.85% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
0.50%
+232.8% YoY
+223.2% QoQ
|
-0.14% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
71.46%
+10.2% YoY
-1.2% QoQ
|
-3.06% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
7.59%
-28.9% YoY
+9.7% QoQ
|
-14.81% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.30%
+262.3% YoY
+225.4% QoQ
|
-0.15% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.31%
+43.9% YoY
+66.6% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.59%
(Tier avg: 22.39%, 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
70
70th pctile
Efficiency Ratio
Current: 58.88% · Tier avg: 67.73%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.46% · Tier avg: 74.53%
56
56th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.85%
56
56th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
45
45th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.64%
43
43th pctile
Total Loans
Current: $99.2M · Tier avg: $139.2M
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
42
42th pctile
Total Deposits
Current: $138.8M · Tier avg: $183.7M
42
42th pctile
Total Assets
Current: $164.6M · Tier avg: $217.5M
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.59% · Tier avg: 22.39%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.59% · Tier avg: 22.39%
42
42th pctile
Total Assets
Current: $164.6M · Tier avg: $217.5M
42
42th pctile
Total Deposits
Current: $138.8M · Tier avg: $183.7M
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
43
43th pctile
Total Loans
Current: $99.2M · Tier avg: $139.2M
45
45th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.64%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
56
56th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.85%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.46% · Tier avg: 74.53%
70
70th pctile
Efficiency Ratio
Current: 58.88% · Tier avg: 67.73%