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The Union State Bank Of Everest
Everest, KS · FDIC Certificate #18610 · Chartered 08/0
Total assets
$427.29M
Total deposits
$382.04M
Total equity
$43.19M
Net loans
$308.62M
Branches (offices)
9
Net income (YTD)
$3.50M
Rank: #1,970 of 4,213 U.S. banks by assets · #51 of 183 in Kansas. Assets changed 0.3% and deposits 0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.62% |
| Return on equity | 16.66% |
| Net interest margin (YTD) | 4.46% |
| Equity to assets | 10.11% |
| Tier 1 leverage ratio | 9.99% |
| Uninsured deposits (share of deposits) | 19.1% |
| Noncurrent loans (share of loans) | 1.06% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 80.8% |
| Real estate loans (share of loans) | 77.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $238.38M | 77.2% | |
| Commercial & industrial | $30.36M | 9.8% | |
| Consumer / individual | $5.44M | 1.8% | |
| Construction & development | $21.48M | 7.0% | |
| Agricultural | $37.77M | 12.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $403.26M | $365.83M | $2.19M | $32.60M |
| Jun 2023 | $414.53M | $365.26M | $1.60M | $32.97M |
| Jun 2024 | $413.01M | $350.81M | $1.89M | $35.74M |
| Jun 2025 | $426.06M | $380.60M | $2.42M | $38.59M |
| Jun 2026 | $427.29M | $382.04M | $3.50M | $43.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $292.70M | 6 |
| Missouri | $89.33M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $382.04M.
Similar-sized banks
Coffee County Bank ($427.61M) · North Valley Bank ($426.89M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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