UNION STATE BANK

WEST SALEM, WI | Small | Est. Aug. 25, 1903, midnight | FDIC #14560 | RSSD #903754 | FDIC
Latest Report: 2025-12-31

UNION STATE BANK is asn small FDIC-insured commercial bank headquartered in WEST SALEM, WI, established in Aug. 25, 1903, midnight. As of 2025-12-31, the bank reported total assets of $125M and total deposits of $104M. Profitability stands at 1.21% ROA and 12.81% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 9.24%. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 1.05%. FDIC Certificate #14560.

Assets

$125M

Deposits

$104M

Loans

$77M

Equity

$12M

Profitability

Return on Assets (ROA) 1.21%
Return on Equity (ROE) 12.81%
Net Interest Margin (NIM) 3.76%
Yield on Assets 5.70%
Cost of Funds 1.99%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio 0.23%
Texas Ratio 1.05%
NPA Ratio 0.10%
ACL / Loans 0.92%

Capital & Liquidity

CET1 Ratio 9.24%
Tier 1 Capital 9.24%
Total Capital Ratio 9.71%
Leverage Ratio 11.47%
Loan-to-Deposit 73.78%

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