Union State Bank: how it compares with its peers
Against 36 WI banks with half to twice its assets, Union State Bank's strongest measure in Q2 2026 is efficiency ratio (57.94% vs. a 65.37% peer median). Its weakest relative measure is net interest margin (3.80% vs. 3.96%).
| Measure | Union State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.34% | 1.22% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.80% | 3.96% | Middle third Ahead of 42% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.94% | 65.37% | Top third Ahead of 78% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $6.4M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.62% | 85.43% | Context |
What it means for lending operations
Its efficiency ratio of 57.94% is better than the 65.37% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Richland County Bank Richland Center, WI · $114M
- Headwaters State Bank Land O' Lakes, WI · $122M
- Conservation First Bank Benton, WI · $127M
- KeySavings Bank Wisconsin Rapids, WI · $129M
- The International Bank of Amherst Amherst, WI · $104M
- Bonduel State Bank Bonduel, WI · $132M
Questions about Union State Bank
How big is Union State Bank?
Union State Bank, established in 1903, is headquartered in West Salem, WI. It reported $118M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Union State Bank's return on assets?
1.34% annualized in Q2 2026, against a 1.22% median for 36 WI banks with half to twice its assets, ahead of 58% of them.
What is Union State Bank's efficiency ratio?
57.94% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 65.37%, and lower is better.
Is Union State Bank growing its loans?
Net loans grew 7.3% over the year to Q2 2026, while deposits grew 4.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.