UNION SAVINGS BANK

FREEPORT, IL | Small | Est. Jan. 1, 1883, midnight | FDIC #29121 | RSSD #817477 | FDIC
Latest Report: 2025-12-31

UNION SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in FREEPORT, IL, established in Jan. 1, 1883, midnight. As of 2025-12-31, the bank reported total assets of $181M and total deposits of $164M. Profitability stands at 0.30% ROA and 3.89% ROE, with a net interest margin of 3.60%. The bank's CET1 capital ratio is 14.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.82%. FDIC Certificate #29121.

Assets

$181M

Deposits

$164M

Loans

$115M

Equity

$14M

Profitability

Return on Assets (ROA) 0.30%
Return on Equity (ROE) 3.89%
Net Interest Margin (NIM) 3.60%
Yield on Assets 4.75%
Cost of Funds 1.16%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.82%
NPA Ratio 0.07%
ACL / Loans 0.78%

Capital & Liquidity

CET1 Ratio 14.88%
Tier 1 Capital 14.88%
Total Capital Ratio 15.67%
Leverage Ratio 9.43%
Loan-to-Deposit 70.04%

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