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Union Savings Bank
Danbury, CT·FDIC Cert #18190·Charter: STATE·Est. 18660701.0·HC: USB BCORP INC
Total Assets
$3.3B
Q4 2025
Return on Assets
0.61%
-0.06%Peer avg: 1.26%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
75.82%
Peer avg: 57.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
49
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.61%-0.06
ROE
6.68%-0.74
Efficiency
75.82%+2.64
Equity/Assets
0.00%+0.00
NPL Ratio
0.34%-0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
92.46%-3.50
Charge-offs
0.01%+0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.4 | 0.4 | 0.4 | 0.2 | 0.7 | 0.7 | 0.7 | 0.6 |
| ROE | 4.8 | 4.9 | 4.5 | 2.7 | 7.5 | 7.4 | 7.4 | 6.7 |
| Efficiency | 82.4 | 81.5 | 80.6 | 81.5 | 72.8 | 73.2 | 73.2 | 75.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.7 | 0.7 | 0.6 | 0.4 | 0.4 | 0.3 | 0.3 |
| Charge-offs | 0.1 | 0.0 | 0.0 | 0.2 | -0.1 | -0.0 | -0.0 | 0.0 |
| Loan/Deposit | 86.9 | 87.0 | 89.5 | 90.5 | 90.6 | 91.6 | 96.0 | 92.5 |
Balance Sheet
Total Assets$3.3B
Total Deposits$2.5B
Total Loans$2.3B
Total Equity$312.6M
Profitability
ROA0.61%
ROE6.68%
Efficiency Ratio75.82%
Net Income$19.5M
Risk & Asset Quality
NPL Ratio0.34%
Charge-off Rate0.01%
Loan/Deposit92.46%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans