Union State Bank
Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.7). Excellent current capitalization (8.0 on a scale of 0 to 10) and a capital leverage ratio of 9.7.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.7 on a scale of 0 to 10). Fair liquidity 3.2, driven by a liquidity ratio of 14.4 percent and a “hot money” ratio of 16.3 percent.
Asset Mix:
Securities (31%), home mtgs (17%), comm re (9%), comm loans (4%), consumer loans (2%), cash (1%), other (35%)
States with Branches:
KS
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Union State Banc Holding Corporation
Investment Rating
--
Address
701 Fifth Street
Clay Center, KS 67432
Clay Center, KS 67432
Phone Number
(785) 632-3122
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.