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Union State Bank
Arkansas City, KS · FDIC Certificate #1869 · Chartered 12/3
Total assets
$719.14M
Total deposits
$633.32M
Total equity
$76.95M
Net loans
$433.04M
Branches (offices)
12
Net income (YTD)
$4.30M
Rank: #1,352 of 4,213 U.S. banks by assets · #27 of 183 in Kansas. Assets changed 6.1% and deposits 8.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.27% |
| Return on equity | 11.18% |
| Net interest margin (YTD) | 4.30% |
| Equity to assets | 10.70% |
| Tier 1 leverage ratio | 10.25% |
| Uninsured deposits (share of deposits) | 19.1% |
| Noncurrent loans (share of loans) | 0.19% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 68.4% |
| Real estate loans (share of loans) | 80.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $348.29M | 80.4% | |
| Commercial & industrial | $53.16M | 12.3% | |
| Consumer / individual | $9.83M | 2.3% | |
| Construction & development | $61.64M | 14.2% | |
| Agricultural | $20.88M | 4.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $591.54M | $475.52M | $2.34M | $53.83M |
| Jun 2023 | $622.07M | $505.73M | $2.22M | $54.11M |
| Jun 2024 | $680.00M | $534.38M | $2.33M | $62.82M |
| Jun 2025 | $678.05M | $582.95M | $4.22M | $71.24M |
| Jun 2026 | $719.14M | $633.32M | $4.30M | $76.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $609.46M | 11 |
| Oklahoma | $23.86M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $633.32M.
Similar-sized banks
The Eastern Colorado Bank ($720.86M) · The Bank Of Elk River ($719.07M)
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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