FDIC Cert #18190 · Danbury, Connecticut · Est. 1866

Union Savings Bank - FDIC Bank Health Profile

A community-scale look at Union Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$3.3B
Total assets
B
Health grade · Good
0.61%
Return on assets
11.3%
Tier 1 capital

Data updated July 2026

The verdict

Union Savings Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.33% Tier 1, 0.61% ROA, 76% efficiency ratio.

#385
largest of 4,313 FDIC banks by assets
91st
percentile by asset size, nationally
11.33%
Tier 1 ratio - above the 10% well-capitalized line
20th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 18190 · CT B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3325/4307
  • PHOTO-FINISH Bank of the Plains · KS
  • TIER1-WELL 11.3% Tier 1
  • TEXAS-CLEAN 2.3% Texas
  • ROA-THIN 0.61% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Connecticut: Bank of the Plains, KS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Union Savings Bank

Lowest and highest poles plus nearest scored peers outside Connecticut, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of the Plains · KS · ne…66/100Beacon Bank and Trust · MA ·…66/100The City State Bank · KS · n…66/100Tri City National Bank · WI …66/100Union Savings Bank · CT · th…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Union Savings Bank · July 2026

Plate reading for Union Savings Bank where failures stay rare

Union Savings Bank (FDIC Cert #18190) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,325 of 4,307. Tier 1 capital prints at 11.33%, clearing the 10% well-capitalized line. The Texas Ratio is 2.30%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.61%. Balance-sheet scale is $3.3B, 385th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of the Plains (KS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Union Savings Bank

Only 2 FAILURE resolutions in Connecticut since 2000

Union Savings Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (2 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • THE COMMUNITY'S BANK BRIDGEPORT, CT 2013
  • CONNECTICUT BANK OF COMMERCE STAMFORD, CT 2002 → HUDSON UNITED BANK
  • FAIRFIELD FIRST BANK & TRUST CO SOUTHPORT, CT 1996 → NORWALK SAVINGS SOCIETY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Connecticut banks.

How Union Savings Bank's 66/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10066/100
Union Savings Bank's composite health score
Tier 1 Capital Ratio (11.33%) 28/40
Return on Assets (ROA) (0.61%) 14/25
Texas Ratio (2.30%) 20/20
Efficiency Ratio (75.82%) 4/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$3.3B

Total balance-sheet footings

Total Deposits

$2.5B

Customer-funded liabilities

Net Loans

$2.3B

Outstanding loan book

Net Income

$20M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.93% 11.33% 12.73%
Basel III capital ratios - Union Savings Bank

Where Union Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Union Savings Bank's score of 66/100 falls in the highlighted band.

Union Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 23rd percentile higher than 23% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Union Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Union Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Union Savings Bank's $3.3B falls in the highlighted band.

Safety metrics: Union Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

11.33% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.33%
Texas Ratio
2.30%
Equity Capital
$313M

What these ratios mean →

Profitability metrics: Union Savings Bank

Return on Assets (ROA)
20th percentile nationally
0.61%
Return on Equity (ROE)
6.68%
Efficiency Ratio
75.82%

What these mean →

Income & expense at Union Savings Bank

$135M
Interest Income
$21M
Non-Interest Income
$80M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Union Savings Bank reports a Texas Ratio of 2.30% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Union Savings Bank on FDIC BankFind →

Top banks in Connecticut by total assets

Largest banks headquartered in Connecticut
  1. 1
    Webster Bank $84.0B

    Stamford, CT · Grade A

  2. 2
    Liberty Bank $9.0B

    Middletown, CT · Grade B

  3. 3
    Bankwell Bank $3.4B

    New Canaan, CT · Grade A

  4. 4
    Union Savings Bank $3.3B

    Danbury, CT · Grade B

  5. 5
    Ion Bank $2.7B

    Naugatuck, CT · Grade B

Top 5 banks in Connecticut ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($3.3B here), outside Connecticut so the neighborhood is not state containment.

Exchange Bank $3.3B · CA Banterra Bank $3.3B · IL Lone Star National Bank $3.3B · TX PCB Bank $3.3B · CA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Union Savings Bank (FDIC Cert #18190) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Union Savings Bank Call Report profile · FDIC Failed Bank List · Connecticut FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Connecticut

All Connecticut banks →
BankAssetsGradeROA
Webster Bank, National AssociationStamford $84.0B A 1.26%
Liberty BankMiddletown $9.0B B 0.99%
Bankwell BankNew Canaan $3.4B A 1.27%
Ion BankNaugatuck $2.7B B 0.79%
First County BankStamford $2.3B C 0.22%
Fairfield County BankRidgefield $1.9B C 0.46%
Thomaston Savings BankThomaston $1.9B B 0.78%
Newtown Savings BankNewtown $1.9B B 0.85%