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Union Savings Bank
Danbury, CT · FDIC Certificate #18190 · Chartered 07/0
Total assets
$3.30B
Total deposits
$2.55B
Total equity
$326.18M
Net loans
$2.36B
Branches (offices)
26
Net income (YTD)
$13.37M
Rank: #389 of 4,213 U.S. banks by assets · #3 of 26 in Connecticut. Assets changed 4.6% and deposits 6.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.81% |
| Return on equity | 8.38% |
| Net interest margin (YTD) | 3.10% |
| Equity to assets | 9.87% |
| Tier 1 leverage ratio | 11.48% |
| Uninsured deposits (share of deposits) | 22.7% |
| Noncurrent loans (share of loans) | 0.29% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 92.6% |
| Real estate loans (share of loans) | 99.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.34B | 99.2% | |
| Commercial & industrial | $31.84M | 1.3% | |
| Consumer / individual | $10.18M | 0.4% | |
| Construction & development | $107.01M | 4.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.06B | $2.51B | $10.50M | $249.76M |
| Jun 2023 | $3.02B | $2.19B | $9.02M | $230.34M |
| Jun 2024 | $3.05B | $2.27B | $6.17M | $255.59M |
| Jun 2025 | $3.16B | $2.40B | $10.46M | $292.53M |
| Jun 2026 | $3.30B | $2.55B | $13.37M | $326.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Connecticut | $2.55B | 26 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.55B.
Similar-sized banks
Acnb Bank ($3.30B) · Fidelity Bank, National Association ($3.30B)
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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