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Union State Bank
West Salem, WI · FDIC Certificate #14560 · Chartered 08/2
Total assets
$117.63M
Total deposits
$97.36M
Total equity
$12.33M
Net loans
$77.52M
Branches (offices)
2
Net income (YTD)
$811.00K
Rank: #3,547 of 4,213 U.S. banks by assets · #138 of 153 in Wisconsin. Assets changed 4.1% and deposits 4.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.34% |
| Return on equity | 13.58% |
| Net interest margin (YTD) | 3.80% |
| Equity to assets | 10.48% |
| Tier 1 leverage ratio | 12.15% |
| Uninsured deposits (share of deposits) | 14.1% |
| Noncurrent loans (share of loans) | 0.14% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 79.6% |
| Real estate loans (share of loans) | 77.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $59.78M | 77.1% | |
| Commercial & industrial | $8.67M | 11.2% | |
| Consumer / individual | $3.16M | 4.1% | |
| Construction & development | $3.59M | 4.6% | |
| Agricultural | $3.81M | 4.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $112.30M | $96.50M | $415.00K | $9.06M |
| Jun 2023 | $111.57M | $90.76M | $219.00K | $8.91M |
| Jun 2024 | $110.43M | $92.26M | $199.00K | $8.97M |
| Jun 2025 | $112.98M | $93.15M | $435.00K | $10.36M |
| Jun 2026 | $117.63M | $97.36M | $811.00K | $12.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $97.36M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $97.36M.
Similar-sized banks
Henderson Federal Savings Bank ($117.72M) · Collinsville Building And Loan Association ($117.57M)
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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