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Union State Bank
Winterset, IA · FDIC Certificate #14982 · Chartered 01/0
Total assets
$136.47M
Total deposits
$125.31M
Total equity
$10.30M
Net loans
$85.94M
Branches (offices)
3
Net income (YTD)
$802.00K
Rank: #3,414 of 4,213 U.S. banks by assets · #175 of 225 in Iowa. Assets changed 8.2% and deposits 7.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.15% |
| Return on equity | 15.82% |
| Net interest margin (YTD) | 3.79% |
| Equity to assets | 7.55% |
| Tier 1 leverage ratio | 8.12% |
| Uninsured deposits (share of deposits) | 25.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 68.6% |
| Real estate loans (share of loans) | 85.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $73.48M | 85.5% | |
| Commercial & industrial | $7.12M | 8.3% | |
| Consumer / individual | $1.24M | 1.4% | |
| Construction & development | $2.80M | 3.3% | |
| Agricultural | $4.62M | 5.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $127.01M | $120.26M | $584.00K | $6.42M |
| Jun 2023 | $130.39M | $118.27M | $376.00K | $6.84M |
| Jun 2024 | $129.83M | $120.93M | $333.00K | $7.88M |
| Jun 2025 | $126.13M | $116.16M | $517.00K | $9.07M |
| Jun 2026 | $136.47M | $125.31M | $802.00K | $10.30M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $125.31M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $125.31M.
Similar-sized banks
Southern Illinois Bank ($136.49M) · The Farmers And Merchants Bank ($136.38M)
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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