Union State Bank

BankClay Center, Kansas
www.usbcc.com

Total Assets

$202.3M

Total Deposits

$170.2M

Branches

4

Established

1901

TFS Health Grade

$
D

66.2 / 100

Below average financial health

How we grade

Union State Bank is a bank headquartered in Clay Center, Kansas, established in 1901. With $202.3M in total assets and 4 branch locations, it has a TFS Financial Health Grade of D (66.2/100).

Capital & Safety

Tier 1 Capital Ratio
10.15%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.01%

Profitability

Return on Assets (ROA)
0.77%(1%)
Return on Equity (ROE)
9.86%(10%)
Net Interest Margin
3.10%
Efficiency Ratio
66.80%(60%)

Lending & Liquidity

Total Loans
$119.0M
Loan-to-Deposit Ratio
69.10%
Net Charge-Off Ratio
-0.01%

Growth

Asset Growth (YoY)
+5.29%
Deposit Growth (YoY)
+6.34%
Net Income
$1.5M

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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