Union State Bank (Arkansas City, KS)
BankRegReports is independent of Union State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Union State Bank is an FDIC-insured commercial bank headquartered in Arkansas City, KS, established in 1908 (FDIC certificate 1869), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $719.1M, up 6.1% from Q2 2025, the 27th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 14.00% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1869
- Headquarters
- Arkansas City, KS
- Established
- 1908
- Total assets, Q2 2026
- $719.1M
- Assets vs Q2 2025
- +6.1%
- CET1 ratio, Q2 2026
- 14.00%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 101100993
- Holding company
- DOCKING BANCSHARES, INC.
- Asset rank in state
- 27th of 182 in Kansas
Little in Union State Bank's latest call report stands out. The Arkansas City, Kansas bank had $719 million in assets at June 30, 2026, up 6.1% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 14% from a year earlier, to $2.3 million. Over the same year, loans grew 1.3% and deposits grew 8.6%.
As of June 30, 2026, Union State Bank reported a CET1 capital ratio of 14.00%, a return on assets of 1.36%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 1.27%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Union State Bank is the 27th largest of the 182 banks headquartered in Kansas. Between Q1 2026 and Q2 2026, its total assets rose 8.7% to $719.1M, loans rose 2.5% and deposits rose 9.9%. 1-4 family residential loans made up 33.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 18.6%. Its 12 offices in the FDIC Summary of Deposits are in 6 cities across 2 states; its Newton 2 offices book 32% 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
- 127 S Summit St, Arkansas City, KS 67005
- County
- Cowley
- Metro Area
- Arkansas City-Winfield, KS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 30, 1908
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 128
- Domestic deposits
- $633.3M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- $32K
- Average total assets
- $688.2M
- Average total loans
- $428.4M
- Average interest-bearing deposits
- $479.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1869
- Fed RSSD
- 227151
- SEC CIK
- 1370682 → filed by DOCKING BANCSHARES, INC.
- Website
- www.myunionstate.bank →
- Parent Holding Company
- DOCKING BANCSHARES, INC. (RSSD 3094121)
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
Union State Bank's total assets moved between a low of $633.2M (Q3 2023) and a high of $719.1M (Q2 2026) from Q3 2023 to Q2 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
$719.1M total assets against $678.0M; $642.2M total liabilities against $606.8M.
$433.0M net loans and leases against $427.8M; $633.3M total deposits against $582.9M.
$178.2M securities against $155.5M; $54.6M cash and balances due against $42.5M.
$9.1M total interest income against $9.0M; $2.4M total interest expense against $2.8M.
$6.8M net interest income against $6.2M.
$1.1M total noninterest income against $995K; $5.4M total noninterest expense against $5.0M.
$108K provision for credit losses against $62K.
$2.3M net income against $2.0M.
1.36% return on assets against 1.19%; 4.28% net interest margin against 3.88%.
14.00% CET1 capital ratio against 13.30%; 10.25% tier 1 leverage ratio against 9.58%.
Inside the full Union State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Union State Bank rankings
Its closest position to the top of a national ranking is 1,344 of 4,196, for total assets; its furthest is 2,561 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.90% (Q3 2024) to 1.39% (Q4 2025) and its net interest margin ran from 3.34% (Q3 2024) to 4.28% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.00% | 1.36% | 0.19% | 1.27% | 4.28% |
| Q1 2026 | 14.29% | 1.17% | 0.28% | 1.84% | 4.23% |
| Q4 2025 | 14.21% | 1.39% | 0.24% | 1.55% | 4.23% |
| Q3 2025 | 13.42% | 1.30% | 0.18% | 1.26% | 4.11% |
| Q2 2025 | 13.30% | 1.19% | 0.05% | 0.34% | 3.88% |
| Q1 2025 | 13.08% | 1.28% | 0.06% | 0.44% | 3.74% |
| Q4 2024 | 13.03% | 1.07% | 0.01% | 0.09% | 3.59% |
| Q3 2024 | 12.52% | 0.90% | 0.11% | 0.84% | 3.34% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 |
|---|---|---|---|
| Newton Main Branch | Newton , KS | 67114 | $200.4M |
| Union State Bank (main office) | Arkansas City , KS | 67005 | $194.9M |
| Winfield Main Branch | Winfield , KS | 67156 | $100.6M |
| Wichita West Branch | Wichita , KS | 67205 | $86.6M |
| Udall Branch | Udall , KS | 67146 | $27.0M |
| Bartlesville Branch | Bartlesville , OK | 74006 | $23.9M |
| Arkansas City North Branch | Arkansas City , KS | 67005 | $0 |
| 9th Street Drive-In Facility | Winfield , KS | 67156 | $0 |
| Winfield South Branch | Winfield , KS | 67156 | $0 |
| Washington Road Branch | Newton , KS | 67114 | $0 |
| Mid-Town Branch | Arkansas City , KS | 67005 | $0 |
| Wichita East Branch | Wichita , KS | 67206 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2020 | Structure Change | Acquired The Midland National Bank of Newton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2015 | Structure Change | Acquired RelianzBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2006 | Structure Change | Acquired The State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in KS, rank 39 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 181 applications, 155 loans originated, $33.4M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $73K approved, $73K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Union State Bank’s latest filed figures and updates each quarter.
Similar banks
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 $719.1 million in its FFIEC call report.
Where is Union State Bank headquartered?
It is headquartered in Arkansas City, KS, United States.
When was Union State Bank founded?
It was established in 1908, per the FDIC institution directory.
Is Union State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1869). 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 Federal Reserve.
What is Union State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.00% 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 12 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 1.27% 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.
Go deeper on Union State Bank.
Get an email when Union State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Union State Bank, freeFree account