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Union Savings Bank
Cincinnati, OH · FDIC Certificate #32296 · Chartered 03/0
Total assets
$4.02B
Total deposits
$3.53B
Total equity
$408.75M
Net loans
$3.53B
Branches (offices)
39
Net income (YTD)
$40.50M
Rank: #334 of 4,213 U.S. banks by assets · #14 of 155 in Ohio. Assets changed -0.1% and deposits 4.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.01% |
| Return on equity | 19.84% |
| Net interest margin (YTD) | 2.94% |
| Equity to assets | 10.17% |
| Tier 1 leverage ratio | 10.51% |
| Uninsured deposits (share of deposits) | 13.4% |
| Noncurrent loans (share of loans) | 0.70% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 99.7% |
| Real estate loans (share of loans) | 100.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.52B | 100.0% | |
| Commercial & industrial | $25.09M | 0.7% | |
| Consumer / individual | $5.33M | 0.2% | |
| Construction & development | $168.70M | 4.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.23B | $2.81B | $26.73M | $372.52M |
| Jun 2023 | $3.63B | $2.80B | $29.09M | $384.46M |
| Jun 2024 | $3.94B | $3.17B | $13.77M | $394.31M |
| Jun 2025 | $4.03B | $3.37B | $24.98M | $404.40M |
| Jun 2026 | $4.02B | $3.53B | $40.50M | $408.75M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $3.01B | 32 |
| Indiana | $294.46M | 5 |
| Pennsylvania | $228.10M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.53B.
Similar-sized banks
California Bank Of Commerce, National Association ($4.02B) · River Bank & Trust ($4.02B)
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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