Union State Bank (Pell City, AL): Financial Reports & UBPR Data
BankRegReports is independent of Union State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Union State Bank. Its balance sheet stood at $212 million at June 30, 2026, down 1.7% from a year earlier; it is based in Pell City, Alabama. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.00% of loans from 0.23% a year earlier. It earns about $0.41 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 88 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans rose 20.4% and deposits fell 7.4%. Paper losses on its bond portfolio are shrinking: unrealized losses of $8.4 million equal 42% of Tier 1 capital, down from 49% a year earlier. Credit is the area to watch: it carries problem assets equal to 17.4% of the capital and reserves that would absorb them, 6.6 times the median of 2.6% for banks its size.
As of June 30, 2026, Union State Bank reported a CET1 capital ratio of 13.61%, a return on assets of 0.41%, a nonperforming-loan ratio of 2.24% and a Texas ratio of 17.41%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 15 20th St N, Pell City, AL 35125
- County
- St. Clair
- Metro Area
- Birmingham, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1903
- Offices
- 8 domestic
- Employees (FTE)
- 64
- Domestic deposits
- $191.7M
- Allowance for credit losses
- $893K
- Net charge-offs (YTD)
- $5K
- Average total assets
- $208.9M
- Average total loans
- $96.6M
- Average interest-bearing deposits
- $146.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5602
- Fed RSSD
- 467733
- Website
- www.unionstate.net →
- Parent Holding Company
- UNION BANCSHARES, INC. (RSSD 1085358)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Union State Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Union State Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Union State Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Union State Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.61% | 0.41% | 2.24% | 17.41% | 3.58% |
| Q1 2026 | 14.47% | 0.46% | 1.02% | 9.60% | 3.49% |
| Q4 2025 | 14.24% | 2.52% | 0.67% | 4.61% | 3.39% |
| Q3 2025 | 13.85% | 0.07% | 0.53% | 4.17% | 3.27% |
| Q2 2025 | 13.30% | 0.32% | 0.53% | 4.49% | 3.05% |
| Q1 2025 | 13.84% | 0.10% | 0.93% | 5.49% | 2.85% |
| Q4 2024 | 13.94% | 0.21% | 0.55% | 2.13% | 2.90% |
| Q3 2024 | 13.73% | -0.36% | 0.79% | 4.42% | 3.05% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Union State Bank (main office) | Pell City , AL | 35125 | $46.6M |
| Ashville Branch | Ashville , AL | 35953 | $31.4M |
| Centre Branch | Centre , AL | 35960 | $26.3M |
| Cedar Bluff Main Branch | Cedar Bluff , AL | 35959 | $25.1M |
| Hoover Branch | Hoover , AL | 35216 | $24.0M |
| Pleasant Grove Branch | Pleasant Grove , AL | 35127 | $20.2M |
| Cropwell Branch | Cropwell , AL | 35054 | $10.2M |
| Plaza Branch | Pell City , AL | 35125 | $7.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 13, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 28, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 28, 1987 | Structure Change | Acquired New Farmers and Merchants Bank of Ashville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 20, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 20, 1982 | Structure Change | Acquired Union State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
What the public regulatory sources show for Union State Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in AL, rank 81 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $144K approved, $144K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Union State Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Union State Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Union State Bank
What are Union State Bank's total assets?
As of the Q2 2026 filing, Union State Bank reported total assets of $212.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Union State Bank headquartered?
Union State Bank is headquartered in Pell City, AL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Union State Bank founded?
Union State Bank was established in 1903, per the FDIC institution directory.
Is Union State Bank FDIC-insured?
Yes. Union State Bank is an FDIC-insured commercial bank (FDIC Certificate #5602). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Union State Bank?
Union State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Union State Bank's CET1 capital ratio?
Union State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.61% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Union State Bank operate?
Union State Bank operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Union State Bank's Texas Ratio?
Union State Bank's Texas Ratio is 17.41% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Union State Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Union State Bank, freeFree account