UNION STATE BANK OF EVEREST, THE

EVEREST, KS | Small | Est. Aug. 5, 1901, midnight | FDIC #18610 | RSSD #736550 | FED
Latest Report: 2025-12-31

UNION STATE BANK OF EVEREST, THE is asn small FDIC-insured commercial bank headquartered in EVEREST, KS, established in Aug. 5, 1901, midnight. As of 2025-12-31, the bank reported total assets of $437M and total deposits of $371M. Profitability stands at 1.51% ROA and 16.17% ROE, with a net interest margin of 4.50%. The bank's CET1 capital ratio is 12.07%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.91% and a Texas Ratio of 6.99%. FDIC Certificate #18610.

Assets

$437M

Deposits

$371M

Loans

$328M

Equity

$41M

Profitability

Return on Assets (ROA) 1.51%
Return on Equity (ROE) 16.17%
Net Interest Margin (NIM) 4.50%
Yield on Assets 6.30%
Cost of Funds 1.84%

Asset Quality

NPL Ratio 0.91%
Net Charge-Off Ratio -0.01%
Texas Ratio 6.99%
NPA Ratio 0.72%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 12.07%
Tier 1 Capital 12.07%
Total Capital Ratio 13.29%
Leverage Ratio 9.29%
Loan-to-Deposit 88.39%

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