Total Assets
$202M
Total balance-sheet footings
FDIC Cert #15908 · Clay Center, Kansas · Est. 1901
Union State Bank - FDIC Bank Health Profile
A community-scale look at Union State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $202M
- Total assets
- B
- Health grade · Good
- 0.77%
- Return on assets
- 10.1%
- Tier 1 capital
Data updated July 2026
The verdict
Union State Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 10.15% Tier 1, 0.77% ROA, 67% efficiency ratio.
- #2,992
- largest of 4,313 FDIC banks by assets
- 31st
- percentile by asset size, nationally
- 10.15%
- Tier 1 ratio - above the 10% well-capitalized line
- 28th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Union State Bank's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Union State Bank's composite health score
Tier 1 Capital Ratio (10.15%) 28/40
Return on Assets (ROA) (0.77%) 14/25
Texas Ratio (0.07%) 20/20
Efficiency Ratio (66.80%) 8/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$170M
Customer-funded liabilities
Net Loans
$118M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Union State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Union State Bank's score of 70/100 falls in the highlighted band.
Union State 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 State Bank's $202M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.15% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.15%
Texas Ratio
0.07%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
28th percentile nationally
0.77%
Return on Equity (ROE)
9.86%
Efficiency Ratio
66.80%
What the numbers say about Union State Bank
Union State Bank is an FDIC-insured institution (Certificate #15908) headquartered in Clay Center, Kansas, established in 1901. It holds $202M in total assets - 2,992nd of 4,313 FDIC-insured banks, $170M in customer deposits, and $118M in net loans. Looking at capital strength, Tier 1 stands at 10.15%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.07%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (70/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kansas, Union State Bank ranks 91st of 188 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$9M
Interest Income
$432K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Union State Bank reports a Texas Ratio of 0.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Union State Bank (FDIC Cert #15908) - 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.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Equity BankAndover | $6.3B | B | 0.55% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
Frequently asked questions
What is Union State Bank's health grade?▼
Union State Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Union State Bank?▼
Union State Bank holds $202M in total assets and $170M in deposits, ranking 2,992nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Clay Center, Kansas.
Is my money safe at Union State Bank?▼
Yes, deposits at Union State Bank (Certificate #15908) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Union State Bank's Tier 1 Capital Ratio?▼
Union State Bank has a Tier 1 Capital Ratio of 10.15%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Union State Bank?▼
Union State Bank has a Texas Ratio of 0.07%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Union State Bank?▼
Union State Bank has an Efficiency Ratio of 66.80%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Union State Bank's profile as a depositor or analyst.
- Union State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Union State Bank against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.