UNION STATE BANK

PELL CITY, AL | Small | Est. Jan. 1, 1903, midnight | FDIC #5602 | RSSD #467733 | FDIC
Latest Report: 2025-12-31

UNION STATE BANK is asn small FDIC-insured commercial bank headquartered in PELL CITY, AL, established in Jan. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $216M and total deposits of $205M. Profitability stands at 2.46% ROA and 53.19% ROE, with a net interest margin of 3.32%. The bank's CET1 capital ratio is 14.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.38% and a Texas Ratio of 4.61%. FDIC Certificate #5602.

Assets

$216M

Deposits

$205M

Loans

$85M

Equity

$11M

Profitability

Return on Assets (ROA) 2.46%
Return on Equity (ROE) 53.19%
Net Interest Margin (NIM) 3.32%
Yield on Assets 4.40%
Cost of Funds 1.04%

Asset Quality

NPL Ratio 0.38%
Net Charge-Off Ratio 0.22%
Texas Ratio 4.61%
NPA Ratio 0.25%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 14.24%
Tier 1 Capital 14.24%
Total Capital Ratio 14.92%
Leverage Ratio 9.46%
Loan-to-Deposit 41.55%

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