B
Union State Bank
Rating Date
June 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Union State Bank
Clay Center, KS
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Rating B
Asset Quality Index 8.70
Capitalization Index 8.60
Liquidity Index 3.20
Profitability Index 3.80
Stability Index 4.90
Company Info Union State Bank
Clay Center, KS
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FDIC Number 15908
Phone Number (785) 632-3122
Website www.usbcc.com
Asset Quality Union State Bank
Clay Center, KS
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1-Year Asset Growth 1.16%
5-Year Asset Growth 6.00%
5-Year Charge-Offs to Average Loans -0.04%
Charge-Offs to Average Loans -0.01%
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
Clay Center, KS
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Total Assets 199.09M
Total Deposits 168.43M
Capital and Reserves Union State Bank
Clay Center, KS
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Capital 16.98M
Leverage Ratio 10.04
Loan Loss Reserves to Loans 1.27%
Risk-Based Capital Ratio --
Liquidity Union State Bank
Clay Center, KS
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Hot Money Ratio 17.77%
Liquidity Ratio 16.84%
Profitability Union State Bank
Clay Center, KS
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5-Year Return on Average Assets 0.59%
Net Income 452.00K
Net Interest Spread 3.16%
Operating Profit to Average Assets 1.13%
Overhead Efficiency Ratio 64.94%
Return on Assets 0.87%
Return on Equity 10.71%