BanksUNION STATE BANK

UNION STATE BANK

WEST SALEM, WISmallEst. Aug. 25, 1903, midnightFDIC #14560RSSD #903754FDIC
Latest · 2025-12-31

UNION STATE BANK is an 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%. CET1 capital ratio: 9.24%. NPL ratio: 0.17% · Texas Ratio: 1.05%. Operates 2 domestic branches.

Assets
$125M
Deposits
$104M
Loans
$77M
Equity
$12M

Profitability

Return on Assets (ROA)1.21%
Return on Equity (ROE)12.81%
Net Interest Margin3.76%
Yield on Assets5.70%
Cost of Funds1.99%

Asset Quality

NPL Ratio0.17%
Net Charge-Off Ratio0.23%
Texas Ratio1.05%
NPA Ratio0.10%
ACL / Loans0.92%

Capital & Liquidity

CET1 Ratio9.24%
Tier 1 Capital9.24%
Total Capital Ratio9.71%
Leverage Ratio11.47%
Loan-to-Deposit73.78%

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