Union State Bank (Pell City, AL)
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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 Pell City, AL, established in 1903 (FDIC certificate 5602), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $212.5M, down 1.7% from Q2 2025, the 61st largest of 93 banks headquartered in Alabama. Its CET1 capital ratio was 13.61% 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
- 5602
- Headquarters
- Pell City, AL
- Established
- 1903
- Total assets, Q2 2026
- $212.5M
- Assets vs Q2 2025
- -1.7%
- CET1 ratio, Q2 2026
- 13.61%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 062203395
- Latest call report
- Q2 2026, FFIEC 051 · Union State Bank call report
- Holding company
- UNION BANCSHARES, INC.
- Asset rank in state
- 61st of 93 in Alabama
Problem loans are rising at Union State Bank. Its balance sheet stood at $212 million at June 30, 2026, down 1.7% from a year earlier; it is based in Pell City, Alabama. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.00% of loans from 0.23% a year earlier. It earns about $0.41 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 88 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans rose 20.4% and deposits fell 7.4%. Paper losses on its bond portfolio are shrinking: unrealized losses of $8.4 million equal 42% of Tier 1 capital, down from 49% a year earlier. Credit is the area to watch: it carries problem assets equal to 17.4% of the capital and reserves that would absorb them, 6.6 times the median of 2.6% for banks its size.
As of June 30, 2026, Union State Bank reported a CET1 capital ratio of 13.61%, a return on assets of 0.41%, a nonperforming-loan ratio of 2.00% and a Texas ratio of 17.41%. The figures come from its call report filed with the FFIEC.
Of the 93 banks headquartered in Alabama, Union State Bank is the 61st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.4% to $212.5M, loans rose 9.8% and deposits rose 1.3%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 26.4% of total loans, followed by 1-4 family residential loans at 21.5%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities in AL; its Pell City 2 offices book 28% of its branch deposits. On its Q2 2026 call report, Union State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 15 20th St N, Pell City, AL 35125
- County
- St. Clair
- Metro Area
- Birmingham, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1903
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 64
- Domestic deposits
- $191.7M
- Allowance for credit losses
- $893K
- Net charge-offs (YTD)
- $5K
- Average total assets
- $208.9M
- Average total loans
- $96.6M
- Average interest-bearing deposits
- $146.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5602
- Fed RSSD
- 467733
- Website
- www.unionstate.net →
- Parent Holding Company
- UNION BANCSHARES, INC. (RSSD 1085358)
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
From Q3 2023 to Q2 2026, Union State Bank's total assets ranged from $205.4M (Q1 2026) to $226.4M (Q3 2023), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$212.5M total assets against $216.0M; $200.6M total liabilities against $208.1M.
$98.1M net loans and leases against $81.2M; $191.7M total deposits against $206.9M.
$67.7M securities against $71.4M; $26.8M cash and balances due against $41.9M.
$2.2M total interest income against $2.2M; $488K total interest expense against $728K.
$1.7M net interest income against $1.5M.
$415K total noninterest income against $577K; $1.9M total noninterest expense against $1.9M.
$51K provision for credit losses against $0.
$212K net income against $173K.
0.41% return on assets against 0.32%; 3.58% net interest margin against 3.05%.
13.61% CET1 capital ratio against 13.30%; 9.61% tier 1 leverage ratio against 8.52%.
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.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Union State Bank rankings
Its closest position to the top of a national ranking is 235 of 3,640, for Texas Ratio; its furthest is 3,433 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.36% (Q3 2024) to 2.52% (Q4 2025) and its net interest margin ran from 2.85% (Q1 2025) to 3.58% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.61% | 0.41% | 2.00% | 17.41% | 3.58% |
| Q1 2026 | 14.47% | 0.46% | 1.04% | 9.60% | 3.49% |
| Q4 2025 | 14.24% | 2.52% | 0.38% | 4.61% | 3.39% |
| Q3 2025 | 13.85% | 0.07% | 0.25% | 4.17% | 3.27% |
| Q2 2025 | 13.30% | 0.32% | 0.23% | 4.49% | 3.05% |
| Q1 2025 | 13.84% | 0.10% | 0.61% | 5.49% | 2.85% |
| Q4 2024 | 13.94% | 0.21% | 0.22% | 2.13% | 2.90% |
| Q3 2024 | 13.73% | -0.36% | 0.48% | 4.42% | 3.05% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Union State Bank (main office) | Pell City , AL | 35125 | $46.6M |
| Ashville Branch | Ashville , AL | 35953 | $31.4M |
| Centre Branch | Centre , AL | 35960 | $26.3M |
| Cedar Bluff Main Branch | Cedar Bluff , AL | 35959 | $25.1M |
| Hoover Branch | Hoover , AL | 35216 | $24.0M |
| Pleasant Grove Branch | Pleasant Grove , AL | 35127 | $20.2M |
| Cropwell Branch | Cropwell , AL | 35054 | $10.2M |
| Plaza Branch | Pell City , AL | 35125 | $7.9M |
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 |
|---|---|---|---|
| August 13, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 28, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 28, 1987 | Structure Change | Acquired New Farmers and Merchants Bank of Ashville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 20, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 20, 1982 | Structure Change | Acquired Union 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 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in AL, rank 81 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $144K approved, $144K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (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 $212.5 million in its FFIEC call report.
Where is Union State Bank headquartered?
It is headquartered in Pell City, AL, United States.
When was Union State Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Union State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5602). 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 13.61% 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 8 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 17.41% 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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