Union State Bank (Uniontown, KS)
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Data as of · sourced from FFIEC call reports. How we update
Union State Bank is an FDIC-insured commercial bank headquartered in Uniontown, KS, established in 1901 (FDIC certificate 16788), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $73.8M, up 6.0% from Q2 2025, the 151st largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 14.96% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16788
- Headquarters
- Uniontown, KS
- Established
- 1901
- Total assets, Q2 2026
- $73.8M
- Assets vs Q2 2025
- +6.0%
- CET1 ratio, Q2 2026
- 14.96%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101110640
- Latest call report
- Q2 2026, FFIEC 051 · Union State Bank call report
- Holding company
- UNION STATE BANCSHARES, INC.
- Asset rank in state
- 151st of 182 in Kansas
Union State Bank is one of the more profitable banks of its size. Based in Uniontown, Kansas, it had $74 million in assets at June 30, 2026, up 6.0% from a year earlier. It earns about $3.94 a year on every $100 of assets, 3.7 times the median of $1.06 for the 583 banks with less than $100 million in assets. It also spends about 46 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 69 cents).
Earnings jumped: net income for the quarter was $752,000, 136% above the same quarter a year earlier. Its $8.2 million commercial and industrial book is improving, with 0.07% past due or on nonaccrual, down from 4.75% a year earlier. Where it has less room is capital: it holds common equity equal to 14.96% of its risk-weighted assets, lower than about three-quarters of banks its size (median 22.08%).
As of June 30, 2026, Union State Bank reported a CET1 capital ratio of 14.96%, a return on assets of 3.94%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 1.38%. The figures come from its call report filed with the FFIEC.
Union State Bank ranks as the 151st largest of the 182 banks based in Kansas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets were flat, loans rose 7.2% and deposits fell 0.9%. 1-4 family residential loans made up 39.7% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 19.7%. Its 2 offices in the FDIC Summary of Deposits are in Fort Scott, KS and Uniontown, KS; its Fort Scott office books 52% of its branch deposits. Judged on its Q2 2026 call report, Union State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 204 Sherman St, Uniontown, KS 66779
- County
- Bourbon
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 1, 1901
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $65.2M
- Allowance for credit losses
- $585K
- Net charge-offs (YTD)
- $21K
- Average total assets
- $76.3M
- Average total loans
- $55.2M
- Average interest-bearing deposits
- $48.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 22, 1949
- FDIC Cert
- 16788
- Fed RSSD
- 206950
- Website
- www.unionstbank.com →
- Parent Holding Company
- UNION STATE BANCSHARES, INC. (RSSD 1055838)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Union State Bank's total assets ran between $66.5M (Q1 2024) and $73.9M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$73.8M total assets against $69.6M; $66.8M total liabilities against $64.0M.
$56.5M net loans and leases against $50.0M; $65.2M total deposits against $61.7M.
$13.0M securities against $11.9M; $1.1M cash and balances due against $4.3M.
$1.1M total interest income against $1.0M; $234K total interest expense against $230K.
$854K net interest income against $814K.
$576K total noninterest income against $161K; $660K total noninterest expense against $624K.
$0 provision for credit losses against $15K.
$752K net income against $318K.
3.94% return on assets against 1.76%; 4.90% net interest margin against 4.99%.
14.96% CET1 capital ratio against 14.18%; 10.36% tier 1 leverage ratio against 9.48%.
Inside the full Union State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.94% (Q4 2025) to 3.94% (Q2 2026) and its net interest margin ran from 4.90% (Q2 2026) to 5.07% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.96% | 3.94% | 0.18% | 1.38% | 4.90% |
| Q1 2026 | 14.15% | 1.66% | 1.65% | 12.72% | 4.93% |
| Q4 2025 | 13.94% | 0.94% | 0.23% | 1.81% | 5.07% |
| Q3 2025 | 14.77% | 1.55% | 0.24% | 3.71% | 5.01% |
| Q2 2025 | 14.18% | 1.76% | 0.29% | 4.35% | 4.99% |
| Q1 2025 | 14.01% | 1.70% | 0.01% | 2.10% | 4.98% |
| Q4 2024 | 13.37% | 1.01% | 0.00% | 2.08% | 5.02% |
| Q3 2024 | 14.42% | 1.57% | 0.00% | 1.98% | 5.04% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fort Scott Branch | Fort Scott , KS | 66701 | $34.0M |
| Union State Bank (main office) | Uniontown , KS | 66779 | $31.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 181 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $60K approved, $60K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Union State Bank
What are Union State Bank's total assets?
As of the Q2 2026 filing, Union State Bank reported total assets of $73.8 million in its FFIEC call report.
Where is Union State Bank headquartered?
It is headquartered in Uniontown, KS, United States.
When was Union State Bank founded?
It was established in 1901, per the FDIC institution directory.
Is Union State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Union State Bank?
Union State Bank's primary federal regulator is the FDIC.
What is Union State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.96% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Union State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Union State Bank's Texas Ratio?
Its Texas Ratio is 1.38% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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