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Union State Bank
Olsburg, KS · FDIC Certificate #15098 · Chartered 11/0
Total assets
$44.25M
Total deposits
$39.06M
Total equity
$5.06M
Net loans
$18.55M
Branches (offices)
2
Net income (YTD)
$315.00K
Rank: #4,075 of 4,213 U.S. banks by assets · #168 of 183 in Kansas. Assets changed 11.6% and deposits 11.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.46% |
| Return on equity | 12.62% |
| Net interest margin (YTD) | 3.51% |
| Equity to assets | 11.44% |
| Tier 1 leverage ratio | 12.65% |
| Uninsured deposits (share of deposits) | 13.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.33% |
| Loans to deposits | 47.5% |
| Real estate loans (share of loans) | 28.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $5.30M | 28.6% | |
| Commercial & industrial | $2.56M | 13.8% | |
| Consumer / individual | $1.48M | 8.0% | |
| Construction & development | $142.00K | 0.8% | |
| Agricultural | $9.96M | 53.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $37.97M | $34.31M | $183.00K | $3.61M |
| Jun 2023 | $35.55M | $31.85M | $246.00K | $3.65M |
| Jun 2024 | $37.18M | $33.21M | $182.00K | $3.89M |
| Jun 2025 | $39.64M | $34.93M | $279.00K | $4.62M |
| Jun 2026 | $44.25M | $39.06M | $315.00K | $5.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $39.06M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $39.06M.
Similar-sized banks
Washita State Bank ($44.27M) · Solutions Plus Bank ($43.85M)
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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