Banks UNION STATE BANK

UNION STATE BANK

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

UNION STATE BANK is an 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%. CET1 capital ratio: 14.24%, well above regulatory minimums. NPL ratio: 0.38% · Texas Ratio: 4.61%.

Assets
$216M
Deposits
$205M
Loans
$85M
Equity
$11M

Profitability

Return on Assets (ROA)2.46%
Return on Equity (ROE)53.19%
Net Interest Margin3.32%
Yield on Assets4.40%
Cost of Funds1.04%

Asset Quality

NPL Ratio0.38%
Net Charge-Off Ratio0.22%
Texas Ratio4.61%
NPA Ratio0.25%
ACL / Loans1.11%

Capital & Liquidity

CET1 Ratio14.24%
Tier 1 Capital14.24%
Total Capital Ratio14.92%
Leverage Ratio9.46%
Loan-to-Deposit41.55%

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