Union State Bank: how it compares with its peers
Against 83 KS banks with half to twice its assets, Union State Bank's strongest measure in Q2 2026 is assets per employee ($7.9M vs. a $7.0M peer median). Its weakest relative measure is return on assets (0.87% vs. 1.45%).
| Measure | Union State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.87% | 1.45% | Bottom third Ahead of 11% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.28% | 3.95% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.77% | 58.80% | Bottom third Ahead of 28% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $7.0M | Top third Ahead of 72% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.13% | 77.00% | Context |
What it means for lending operations
Its efficiency ratio of 63.77% is above the 58.80% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Halstead Bank Halstead, KS · $206M
- The Kansas State Bank Ottawa, KS · $208M
- The First National Bank of Louisburg Louisburg, KS · $201M
- Kendall Bank Overland Park, KS · $211M
- The Valley State Bank Belle Plaine, KS · $201M
- The Lyon County State Bank Emporia, KS · $212M
Questions about Union State Bank
How big is Union State Bank?
Union State Bank, established in 1901, is headquartered in Clay Center, KS. It reported $206M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Union State Bank's return on assets?
0.87% annualized in Q2 2026, against a 1.45% median for 83 KS banks with half to twice its assets, ahead of 11% of them.
What is Union State Bank's efficiency ratio?
63.77% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 58.80%, and lower is better.
Is Union State Bank growing its loans?
Net loans shrank 5.4% 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 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.