UNION STATE BANK

CLAY CENTER, KS | Small | Est. June 1, 1901, midnight | FDIC #15908 | RSSD #865759 | FED
Latest Report: 2025-12-31

UNION STATE BANK is asn small FDIC-insured commercial bank headquartered in CLAY CENTER, KS, established in June 1, 1901, midnight. As of 2025-12-31, the bank reported total assets of $202M and total deposits of $170M. Profitability stands at 0.98% ROA and 11.88% ROE, with a net interest margin of 3.40%. The bank's CET1 capital ratio is 7.81%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.33%. FDIC Certificate #15908.

Assets

$202M

Deposits

$170M

Loans

$119M

Equity

$17M

Profitability

Return on Assets (ROA) 0.98%
Return on Equity (ROE) 11.88%
Net Interest Margin (NIM) 3.40%
Yield on Assets 5.20%
Cost of Funds 1.87%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.33%
NPA Ratio 0.03%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 7.81%
Tier 1 Capital 7.81%
Total Capital Ratio 8.20%
Leverage Ratio 10.15%
Loan-to-Deposit 69.96%

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