UNION STATE BANK

OLSBURG, KS | Micro | Est. Nov. 1, 1910, midnight | FDIC #15098 | RSSD #866251 | FDIC
Latest Report: 2025-12-31

UNION STATE BANK is amn micro FDIC-insured commercial bank headquartered in OLSBURG, KS, established in Nov. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $42M and total deposits of $37M. Profitability stands at 0.70% ROA and 5.79% ROE, with a net interest margin of 3.45%. The bank's CET1 capital ratio is 25.75%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #15098. The institution operates 1 domestic branch.

Assets

$42M

Deposits

$37M

Loans

$20M

Equity

$5M

Profitability

Return on Assets (ROA) 0.70%
Return on Equity (ROE) 5.79%
Net Interest Margin (NIM) 3.45%
Yield on Assets 5.16%
Cost of Funds 2.24%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.10%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 3.57%

Capital & Liquidity

CET1 Ratio 25.75%
Tier 1 Capital 25.75%
Total Capital Ratio 27.02%
Leverage Ratio 13.04%
Loan-to-Deposit 54.88%

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