Union State Bank

BankPell City, Alabama
www.unionstate.net

Total Assets

$216.4M

Total Deposits

$204.7M

Branches

8

Established

1903

TFS Health Grade

$
F

58.5 / 100

Poor financial health

How we grade

Union State Bank is a bank headquartered in Pell City, Alabama, established in 1903. With $216.4M in total assets and 8 branch locations, it has a TFS Financial Health Grade of F (58.5/100).

Capital & Safety

Tier 1 Capital Ratio
9.46%(8%)
Total Capital Ratio
14.92%(10%)
Non-Performing Loan Ratio
0.38%

Profitability

Return on Assets (ROA)
0.73%(1%)
Return on Equity (ROE)
18.78%(10%)
Net Interest Margin
3.09%
Efficiency Ratio
83.01%(60%)

Lending & Liquidity

Total Loans
$85.1M
Loan-to-Deposit Ratio
41.09%
Net Charge-Off Ratio
0.23%

Growth

Asset Growth (YoY)
-4.21%
Deposit Growth (YoY)
-6.20%
Net Income
$1.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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