UNION STATE BANK

WINTERSET, IA | Small | Est. Jan. 2, 1935, midnight | FDIC #14982 | RSSD #148340 | FDIC
Latest Report: 2025-12-31

UNION STATE BANK is asn small FDIC-insured commercial bank headquartered in WINTERSET, IA, established in Jan. 2, 1935, midnight. As of 2025-12-31, the bank reported total assets of $136M and total deposits of $125M. Profitability stands at 0.88% ROA and 11.93% ROE, with a net interest margin of 3.99%. The bank's CET1 capital ratio is 12.33%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #14982.

Assets

$136M

Deposits

$125M

Loans

$86M

Equity

$10M

Profitability

Return on Assets (ROA) 0.88%
Return on Equity (ROE) 11.93%
Net Interest Margin (NIM) 3.99%
Yield on Assets 5.64%
Cost of Funds 1.66%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.62%

Capital & Liquidity

CET1 Ratio 12.33%
Tier 1 Capital 12.33%
Total Capital Ratio 12.94%
Leverage Ratio 7.92%
Loan-to-Deposit 68.50%

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