B
Union State Bank
Rating Date
June 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Union State Bank
West Salem, WI
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Rating B
Asset Quality Index 8.80
Capitalization Index 10.00
Liquidity Index 3.60
Profitability Index 3.10
Stability Index 5.20
Company Info Union State Bank
West Salem, WI
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FDIC Number 14560
Phone Number (608) 786-0600
Website www.usbwestsalem.com
Asset Quality Union State Bank
West Salem, WI
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1-Year Asset Growth 3.99%
5-Year Asset Growth 5.64%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans -0.02%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Union State Bank
West Salem, WI
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Total Assets 114.16M
Total Deposits 94.69M
Capital and Reserves Union State Bank
West Salem, WI
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Capital 10.05M
Leverage Ratio 11.04
Loan Loss Reserves to Loans 1.05%
Risk-Based Capital Ratio --
Liquidity Union State Bank
West Salem, WI
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Hot Money Ratio 17.29%
Liquidity Ratio 33.90%
Profitability Union State Bank
West Salem, WI
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5-Year Return on Average Assets 0.57%
Net Income 205.00K
Net Interest Spread 3.36%
Operating Profit to Average Assets 0.84%
Overhead Efficiency Ratio 74.26%
Return on Assets 0.69%
Return on Equity 8.43%