UNION STATE BANK

UNIONTOWN, KS | Micro | Est. Aug. 1, 1901, midnight | FDIC #16788 | RSSD #206950 | FDIC
Latest Report: 2025-12-31

UNION STATE BANK is amn micro FDIC-insured commercial bank headquartered in UNIONTOWN, KS, established in Aug. 1, 1901, midnight. As of 2025-12-31, the bank reported total assets of $71M and total deposits of $63M. Profitability stands at 0.99% ROA and 11.30% ROE, with a net interest margin of 5.26%. The bank's CET1 capital ratio is 13.94%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.23% and a Texas Ratio of 1.81%. FDIC Certificate #16788. The institution operates 1 domestic branch.

Assets

$71M

Deposits

$63M

Loans

$54M

Equity

$6M

Profitability

Return on Assets (ROA) 0.99%
Return on Equity (ROE) 11.30%
Net Interest Margin (NIM) 5.26%
Yield on Assets 6.68%
Cost of Funds 2.00%

Asset Quality

NPL Ratio 0.23%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.81%
NPA Ratio 0.17%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 13.94%
Tier 1 Capital 13.94%
Total Capital Ratio 15.11%
Leverage Ratio 9.59%
Loan-to-Deposit 85.48%

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