Union State Bank (Clay Center, 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 Clay Center, KS, established in 1901 (FDIC certificate 15908), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $206.2M, up 3.6% from Q2 2025, the 92nd largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.29% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 15908
- Headquarters
- Clay Center, KS
- Established
- 1901
- Total assets, Q2 2026
- $206.2M
- Assets vs Q2 2025
- +3.6%
- Tier 1 leverage ratio, Q2 2026
- 10.29%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 101101620
- Holding company
- UNION STATE BANC HOLDING CORPORATION
- Asset rank in state
- 92nd of 182 in Kansas
Union State Bank, based in Clay Center, Kansas, reported $206 million in assets at June 30, 2026, up 3.6% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also shrank its loan book 5.3% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Loans and deposits moved in opposite directions: over the year loans fell 5.3% and deposits rose 4.5%. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.7 million equal 27% of Tier 1 capital, down from 33% a year earlier. Its margin is thin by comparison: it keeps 3.20 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Union State Bank reported a return on assets of 0.84%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Union State Bank is the 92nd largest of the 182 banks headquartered in Kansas. Between Q1 2026 and Q2 2026, its total assets rose 3.6% to $206.2M, loans rose 0.4% and deposits rose 4.0%. 1-4 family residential loans made up 31.5% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 23.6%. The FDIC Summary of Deposits lists 4 offices for it, in Clay Center, KS, Palmer, KS and Barnes, KS; its Clay Center 2 offices book 73% of its branch deposits. By the capital ratios in its Q2 2026 call report, Union State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 701 5th St, Clay Center, KS 67432
- County
- Clay
- 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
- June 1, 1901
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $175.2M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- -$6K
- Average total assets
- $206.1M
- Average total loans
- $115.8M
- Average interest-bearing deposits
- $139.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 13, 1942
- FDIC Cert
- 15908
- Fed RSSD
- 865759
- Website
- www.usbcc.com →
- Parent Holding Company
- UNION STATE BANC HOLDING CORPORATION (RSSD 3834831)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Union State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Union State Bank's total assets ran between $188.7M (Q2 2024) and $206.2M (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
$206.2M total assets against $199.1M; $188.8M total liabilities against $183.5M.
$114.1M net loans and leases against $120.7M; $175.2M total deposits against $167.7M.
$71.3M securities against $60.1M; $15.2M cash and balances due against $12.3M.
$2.4M total interest income against $2.3M; $828K total interest expense against $858K.
$1.6M net interest income against $1.4M.
$111K total noninterest income against $113K; $1.1M total noninterest expense against $1.1M.
$30K provision for credit losses against $0.
$431K net income against $372K.
0.84% return on assets against 0.73%; 3.20% net interest margin against 2.93%.
10.29% tier 1 leverage ratio against 9.76%.
Inside the full Union State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnion State Bank rankings
Its closest position to the top of a national ranking is 2,192 of 3,606, for efficiency ratio; its furthest is 3,530 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.39% (Q4 2024) to 0.98% (Q4 2025) and its net interest margin ran from 2.52% (Q3 2024) to 3.22% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.29% | 0.84% | 0.00% | 0.00% | 3.20% |
| Q1 2026 | 10.04% | 0.87% | 0.00% | 0.00% | 3.16% |
| Q4 2025 | 10.15% | 0.98% | 0.01% | 0.41% | 3.22% |
| Q3 2025 | 9.96% | 0.72% | 0.06% | 0.43% | 3.09% |
| Q2 2025 | 9.76% | 0.73% | 0.05% | 0.37% | 2.93% |
| Q1 2025 | 9.69% | 0.58% | 0.00% | 0.00% | 2.77% |
| Q4 2024 | 9.72% | 0.39% | 0.09% | 0.73% | 2.70% |
| Q3 2024 | 10.56% | 0.43% | 0.27% | 1.86% | 2.52% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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) | Clay Center , KS | 67432 | $127.2M |
| Palmer Branch | Palmer , KS | 66962 | $34.6M |
| Barnes Branch | Barnes , KS | 66933 | $13.5M |
| Drive-In Branch | Clay Center , KS | 67432 | $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 |
|---|---|---|---|
| December 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2021 | Structure Change | Acquired Bank of Palmer 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KS, rank 111 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $80K approved, $80K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (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 $206.2 million in its FFIEC call report.
Where is Union State Bank headquartered?
It is headquartered in Clay Center, 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 #15908). 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.
How many branches does Union State Bank operate?
It operates 4 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 0.00% 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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