Union State Bank: how it compares with its peers
Against 56 KS banks with half to twice its assets, Union State Bank's strongest measure in Q2 2026 is return on assets (2.91% vs. a 1.32% peer median). Its weakest relative measure is assets per employee ($4.9M vs. $7.2M).
| Measure | Union State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.91% | 1.32% | Top third Ahead of 98% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.94% | 3.91% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.68% | 61.01% | Top third Ahead of 73% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $7.2M | Bottom third Ahead of 21% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.62% | 69.19% | Context |
What it means for lending operations
Its efficiency ratio of 54.68% is better than the 61.01% 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
- Argentine Federal Savings Kansas City, KS · $70M
- Bank of Holyrood Holyrood, KS · $70M
- The Howard State Bank, Howard, Kansas Howard, KS · $80M
- CBW Bank Weir, KS · $81M
- Farmers and Merchants Bank of Mound City, Kansas Mound City, KS · $65M
- The First National Bank of Hope Hope, KS · $83M
Questions about Union State Bank
How big is Union State Bank?
Union State Bank, established in 1901, is headquartered in Uniontown, KS. It reported $74M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Union State Bank's return on assets?
2.91% annualized in Q2 2026, against a 1.32% median for 56 KS banks with half to twice its assets, ahead of 98% of them.
What is Union State Bank's efficiency ratio?
54.68% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 61.01%, and lower is better.
Is Union State Bank growing its loans?
Net loans grew 13.0% over the year to Q2 2026, while deposits grew 5.7%.
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.