Union State Bank: how it compares with its peers
Against 35 KS banks with half to twice its assets, Union State Bank's strongest measure in Q2 2026 is efficiency ratio (54.09% vs. a 64.26% peer median). Its weakest relative measure is net interest margin (3.51% vs. 3.82%).
| Measure | Union State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.46% | 1.26% | Middle third Ahead of 66% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.51% | 3.82% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.09% | 64.26% | Top third Ahead of 80% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $7.0M | Bottom third Ahead of 31% of peers |
| Loans to deposits Net loans and leases over total deposits. | 47.49% | 60.44% | Context |
What it means for lending operations
Its efficiency ratio of 54.09% is better than the 64.26% 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
- NINNESCAH VALLEY BANK Cunningham, KS · $45M
- Farmers State Bank Phillipsburg, KS · $43M
- Ventura National Bank & Trust Harveyville, KS · $42M
- The First State Bank of Ransom Ransom, KS · $49M
- Cottonwood Valley Bank Cedar Point, KS · $38M
- The State Exchange Bank Mankato, KS · $51M
Questions about Union State Bank
How big is Union State Bank?
Union State Bank, established in 1910, is headquartered in Olsburg, KS. It reported $44M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Union State Bank's return on assets?
1.46% annualized in Q2 2026, against a 1.26% median for 35 KS banks with half to twice its assets, ahead of 66% of them.
What is Union State Bank's efficiency ratio?
54.09% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 64.26%, and lower is better.
Is Union State Bank growing its loans?
Net loans grew 14.7% over the year to Q2 2026, while deposits grew 11.8%.
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 KS 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 Kansas bank ranked.