UNION STATE BANK

GREENFIELD, IA | Small | Est. Jan. 6, 1890, midnight | FDIC #8499 | RSSD #746942 | FDIC
Latest Report: 2025-12-31

UNION STATE BANK is asn small FDIC-insured commercial bank headquartered in GREENFIELD, IA, established in Jan. 6, 1890, midnight. As of 2025-12-31, the bank reported total assets of $165M and total deposits of $139M. Profitability stands at 1.42% ROA and 10.16% ROE, with a net interest margin of 3.91%. The bank's CET1 capital ratio is 3.73%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.19% and a Texas Ratio of 0.80%. FDIC Certificate #8499.

Assets

$165M

Deposits

$139M

Loans

$100M

Equity

$23M

Profitability

Return on Assets (ROA) 1.42%
Return on Equity (ROE) 10.16%
Net Interest Margin (NIM) 3.91%
Yield on Assets 5.94%
Cost of Funds 2.19%

Asset Quality

NPL Ratio 0.19%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.80%
NPA Ratio 0.12%
ACL / Loans 0.76%

Capital & Liquidity

CET1 Ratio 3.73%
Tier 1 Capital 3.73%
Total Capital Ratio 3.91%
Leverage Ratio 9.00%
Loan-to-Deposit 72.01%

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