Union County Savings Bank

15.7 percent of deposits exceed the FDIC insurance limit, better than 90.3 percent of banks with $1 billion to $10 billion in assets. A lower uninsured share means less depositor money could face losses if the institution closes.

Commercial real estate loans equal 43.0 percent of total risk-based capital, covering construction, non-owner-occupied commercial and multifamily loans but excluding owner-occupied property; the ratio can exceed 100 percent. 94.3 percent of similar banks have a higher concentration; losses in one lending type can affect more of the bank’s finances at once.

8.8 percent of total assets is tier 1 capital, meaning funds provided by the bank’s owners rather than deposits and borrowings. Its core capital ratio is better than 10.2 percent of similar banks, providing a larger cushion to absorb losses before depositors are affected.

Brokered deposits, gathered through third-party deposit brokers, make up 9.1 percent of total deposits and are sensitive to interest rates. 22.4 percent of similar banks have a higher share, though some banks use this funding deliberately.

Return on assets is -1.45 percent, measuring annualized net income as a share of average assets. This return is better than 0.4 percent of similar institutions, while profits add to capital and losses reduce it.