Union State Bank (Olsburg, 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 Olsburg, KS, established in 1910 (FDIC certificate 15098), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $44.3M, up 11.6% from Q2 2025, the 168th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 28.19% 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
- 15098
- Headquarters
- Olsburg, KS
- Established
- 1910
- Total assets, Q2 2026
- $44.3M
- Assets vs Q2 2025
- +11.6%
- CET1 ratio, Q2 2026
- 28.19%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 101106939
- Asset rank in state
- 168th of 182 in Kansas
Union State Bank, based in Olsburg, Kansas, reported $44 million in assets at June 30, 2026, up 11.6% 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 583 banks with less than $100 million in assets (median 1.4%). It also spends about 49 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 69 cents).
Net income for the quarter rose 18% from a year earlier, to $174,000. Its margin is thin by comparison: it keeps 3.33 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.87 cents).
As of June 30, 2026, Union State Bank reported a CET1 capital ratio of 28.19%, a return on assets of 1.53%, 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 168th largest of the 182 banks headquartered in Kansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.5% to $44.3M, loans rose 0.7% and deposits rose 2.7%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 51.6% of total loans, ahead of farmland and other real estate loans at 18.7%. Its 2 offices in the FDIC Summary of Deposits are in Olsburg, KS and Randolph, KS; its Olsburg office books 74% of its branch deposits. On its Q2 2026 call report, Union State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 204 E Highway 16, Olsburg, KS 66520
- County
- Pottawatomie
- Metro Area
- Manhattan, KS
- 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
- November 1, 1910
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 8
- Domestic deposits
- $39.1M
- Allowance for credit losses
- $754K
- Net charge-offs (YTD)
- -$32K
- Average total assets
- $45.5M
- Average total loans
- $19.2M
- Average interest-bearing deposits
- $30.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 24, 1935
- FDIC Cert
- 15098
- Fed RSSD
- 866251
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 $35.8M (Q3 2023) and a high of $44.3M (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
$44.3M total assets against $39.6M; $39.2M total liabilities against $35.0M.
$18.6M net loans and leases against $16.2M; $39.1M total deposits against $34.9M.
$12.6M securities against $11.2M; $12.4M cash and balances due against $11.8M.
$517K total interest income against $474K; $161K total interest expense against $152K.
$356K net interest income against $322K.
$7K total noninterest income against $8K; $179K total noninterest expense against $174K.
No provision recorded in the last 12 quarters.
$174K net income against $148K.
1.53% return on assets against 1.44%; 3.33% net interest margin against 3.29%.
28.19% CET1 capital ratio against 29.30%; 12.65% tier 1 leverage ratio against 12.98%.
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
From Q3 2024 to Q2 2026, its return on assets ran from 0.68% (Q4 2025) to 1.53% (Q2 2026) and its net interest margin ran from 3.22% (Q3 2024) to 3.41% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 28.19% | 1.53% | 0.00% | 0.00% | 3.33% |
| Q1 2026 | 26.36% | 1.29% | 0.00% | 0.00% | 3.41% |
| Q4 2025 | 25.75% | 0.68% | 0.00% | 0.00% | 3.26% |
| Q3 2025 | 28.60% | 1.30% | 0.00% | 0.00% | 3.27% |
| Q2 2025 | 29.30% | 1.44% | 0.00% | 0.00% | 3.29% |
| Q1 2025 | 27.36% | 1.29% | 0.00% | 0.00% | 3.34% |
| Q4 2024 | 26.35% | 1.15% | 0.00% | 0.00% | 3.35% |
| Q3 2024 | 31.43% | 1.10% | 0.00% | 0.00% | 3.22% |
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 |
|---|---|---|---|
| Union State Bank (main office) | Olsburg , KS | 66520 | $29.0M |
| Union State Bank - Randolph Branch | Randolph , KS | 66554 | $10.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 203 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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
Compare Union State Bank with peers
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 $44.3 million in its FFIEC call report.
Where is Union State Bank headquartered?
It is headquartered in Olsburg, KS, United States.
When was Union State Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Union State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15098). 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 28.19% 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 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.
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