Union Savings Bank

Overview

What stands out about Union Savings Bank?

Against its six size peers, its uninsured share of domestic deposits stands out most: 13.45% at Q2 2026, below the peer median of 42.24%.

How large is Union Savings Bank?

At Q2 2026 the bank held $4.0 bn of assets. Deposits were $3.5 bn and net loans and leases $3.5 bn, a loan-to-deposit ratio of 99.73%. Securities of $8.0 mn made up 0.2% of assets.

Total assets rose 56.3% between Q1 2016 and Q2 2026, from $2.6 bn.

How much of its funding is uninsured?

An estimated 13.45% of domestic deposits were above the FDIC insurance limit at Q2 2026, -0.73 pp from the previous quarter and -0.36 pp from a year earlier. That share ranks 456th among 500 banks reporting this metric (1 = highest).

Key facts, Q2 2026

US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.

The bank uses the community bank leverage ratio framework, so it does not report risk-based capital ratios. Its tier 1 leverage ratio was 10.51% at Q2 2026, +0.11 pp from a year earlier. The median tier 1 leverage ratio of the size peers listed below was 11.01% at Q2 2026.

Return on equity was 19.84% for the year to Q2 2026, annualized, with a return on assets of 2.01% and a net interest margin of 2.94%. The margin was +0.42 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 48.40%. Net income for the year to Q2 2026 was $40.5 mn, up 62.2% on the same period a year earlier. The median return on equity of its size peers was 11.46% for the same period.

Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.70% of total loans at Q2 2026. Net charge-offs for the year to date were -0.01% of average loans, annualized.

The FDIC history records no mergers or acquisitions for Union Savings Bank since Q1 2016, and its total assets never moved more than 25% in one quarter.