What is Union State Bank's financial health grade?

Union State Bank has a TFS Financial Health Grade of C (score: 76.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Union State Bank have?

Union State Bank has 12 branch locations across the United States.

Is Union State Bank FDIC insured?

Yes, Union State Bank is FDIC insured (Certificate #1869).

What are the total assets of Union State Bank?

Union State Bank has total assets of $655.2M as reported in its most recent FDIC filing.

Union State Bank

BankArkansas City, Kansas

www.myunionstate.bank

Total Assets

$655.2M

Total Deposits

$560.5M

Branches

Established

1908

TFS Health Grade

76.3 / 100

Average financial health

How we grade

Union State Bank is a bank headquartered in Arkansas City, Kansas, established in 1908. With $655.2M in total assets and 12 branch locations, it has a TFS Financial Health Grade of C (76.3/100).

Capital & Safety

Tier 1 Capital Ratio

10.19%(8%)

Total Capital Ratio

15.31%(10%)

Non-Performing Loan Ratio

0.24%

Profitability

Return on Assets (ROA)

1.32%(1%)

Return on Equity (ROE)

12.28%(10%)

Net Interest Margin

4.15%

Efficiency Ratio

67.42%(60%)

Lending & Liquidity

Total Loans

$425.5M

Loan-to-Deposit Ratio

75.04%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

-0.90%

Deposit Growth (YoY)

+1.27%

Net Income

$8.8M

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.

Branch	Address	City	State	Type
Union State BankHQ	127 S Summit St	Arkansas City	KS	11
Union State Bank	700 N Summit St	Arkansas City	KS	23
Union State Bank	1329 N 1st St	Arkansas City	KS	11
Union State Bank	1212 Washington Rd	Newton	KS	11
Union State Bank	527 N Main St	Newton	KS	11
Union State Bank	119 W 1st St	Udall	KS	11
Union State Bank	2327 N Ridge Rd	Wichita	KS	11
Union State Bank	10111 E 21st St N	Wichita	KS	11
Union State Bank	823 Main St	Winfield	KS	11
Union State Bank	2100 Pike Rd	Winfield	KS	11
Union State Bank	121 W 9th Ave	Winfield	KS	23
Union State Bank	4110 Nowata Rd	Bartlesville	OK	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.