Advertisement
Union State Bank
Clay Center, KS · FDIC Certificate #15908 · Chartered 06/0
Total assets
$206.18M
Total deposits
$175.24M
Total equity
$17.37M
Net loans
$114.14M
Branches (offices)
4
Net income (YTD)
$883.00K
Rank: #2,937 of 4,213 U.S. banks by assets · #92 of 183 in Kansas. Assets changed 3.6% and deposits 4.5% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.87% |
| Return on equity | 10.36% |
| Net interest margin (YTD) | 3.28% |
| Equity to assets | 8.42% |
| Tier 1 leverage ratio | 10.29% |
| Uninsured deposits (share of deposits) | 34.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 65.1% |
| Real estate loans (share of loans) | 71.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $82.06M | 71.9% | |
| Commercial & industrial | $9.87M | 8.6% | |
| Consumer / individual | $5.34M | 4.7% | |
| Construction & development | $1.25M | 1.1% | |
| Agricultural | $14.04M | 12.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $201.53M | $159.62M | $626.00K | $16.67M |
| Jun 2023 | $193.91M | $152.99M | $627.00K | $14.26M |
| Jun 2024 | $188.67M | $154.56M | $473.00K | $14.82M |
| Jun 2025 | $199.06M | $167.72M | $667.00K | $15.52M |
| Jun 2026 | $206.18M | $175.24M | $883.00K | $17.37M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $175.24M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $175.24M.
Similar-sized banks
Wadena State Bank ($206.65M) · Murphy-Wall State Bank And Trust Company ($206.12M)
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.
Advertisement