Total Assets
$216M
Total balance-sheet footings
FDIC Cert #5602 · Pell City, Alabama · Est. 1903
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.
- $216M
- Total assets
- B
- Health grade · Good
- 0.73%
- Return on assets
- 14.2%
- Tier 1 capital
Data updated July 2026
The verdict
Union State Bank earns a PlainBankData health grade of B (69/100), with well-capitalized at 14.24% Tier 1, 0.73% ROA, 83% efficiency ratio.
- #2,913
- largest of 4,313 FDIC banks by assets
- 32nd
- percentile by asset size, nationally
- 14.24%
- Tier 1 ratio - above the 10% well-capitalized line
- 26th
- 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.
How Union State Bank's 69/100 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 (14.24%) 35/40
Return on Assets (ROA) (0.73%) 14/25
Texas Ratio (2.77%) 20/20
Efficiency Ratio (83.01%) 0/15
69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$205M
Customer-funded liabilities
Net Loans
$84M
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 69/100 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 $216M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.24% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.24%
Texas Ratio
2.77%
Equity Capital
$11M
Profitability metrics
Return on Assets (ROA)
26th percentile nationally
0.73%
Return on Equity (ROE)
18.78%
Efficiency Ratio
83.01%
What the numbers say about Union State Bank
Union State Bank is an FDIC-insured institution (Certificate #5602) headquartered in Pell City, Alabama, established in 1903. It holds $216M in total assets - 2,913th of 4,313 FDIC-insured banks, $205M in customer deposits, and $84M in net loans. On safety, its Tier 1 capital ratio of 14.24% is above the 10% well-capitalized threshold, and its Texas Ratio of 2.77% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (69/100), 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 Alabama, Union State Bank ranks 59th of 94 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
$3M
Non-Interest Income
$8M
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 2.77% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.77% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Alabama by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Union State Bank (FDIC Cert #5602) - 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 Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Regions BankBirmingham | $157.4B | A | 1.43% |
| ServisFirst BankBirmingham | $17.7B | A | 1.58% |
| River Bank & TrustPrattville | $3.8B | A | 1.18% |
| Bank IndependentSheffield | $3.0B | B | 1.01% |
| Bryant BankTuscaloosa | $2.9B | A | 1.69% |
| CB&S Bank, Inc.Russellville | $2.9B | C | 0.85% |
| Oakworth Capital BankBirmingham | $2.0B | B | 1.17% |
| Troy Bank & Trust CompanyTroy | $1.6B | A | 1.34% |
Frequently asked questions
What is Union State Bank's health grade?▼
Union State Bank receives a health grade of B (69/100) 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 $216M in total assets and $205M in deposits, ranking 2,913th of 4,313 FDIC-insured banks by asset size. It is headquartered in Pell City, Alabama.
Is my money safe at Union State Bank?▼
Yes, deposits at Union State Bank (Certificate #5602) 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 14.24%. 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 2.77%. 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 83.01%. 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 Alabama banks before moving funds. Alabama 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.