Union Savings Bank: how it compares with its peers
Against 139 IL banks with half to twice its assets, Union Savings Bank's strongest measure in Q2 2026 is net interest margin (3.70% vs. a 3.74% peer median). Its weakest relative measure is efficiency ratio (90.83% vs. 64.64%).
| Measure | Union Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.31% | 1.15% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.70% | 3.74% | Middle third Ahead of 47% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 90.83% | 64.64% | Bottom third Ahead of 6% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.1M | $6.5M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.36% | 73.21% | Context |
What it means for lending operations
Its efficiency ratio of 90.83% is above the 64.64% 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
- FIRST NATIONAL BANK OF NOKOMIS Nokomis, IL · $182M
- La Salle State Bank La Salle, IL · $183M
- Town Center Bank Frankfort, IL · $181M
- State Bank of Whittington Benton, IL · $180M
- State Bank of Bement Bement, IL · $186M
- United Trust Bank Palos Heights, IL · $178M
Questions about Union Savings Bank
How big is Union Savings Bank?
Union Savings Bank, established in 1883, is headquartered in Freeport, IL. It reported $182M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Union Savings Bank's return on assets?
0.31% annualized in Q2 2026, against a 1.15% median for 139 IL banks with half to twice its assets, ahead of 8% of them.
What is Union Savings Bank's efficiency ratio?
90.83% in Q2 2026: it spent about 91 cents in noninterest expense for each dollar of revenue. The peer median is 64.64%, and lower is better.
Is Union Savings Bank growing its loans?
Net loans grew 2.8% over the year to Q2 2026, while deposits shrank 2.2%.
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 IL 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 Illinois bank ranked.