B
Union State Bank
Rating Date
March 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 8.70
Liquidity Index 3.10
Profitability Index 3.80
Stability Index 5.00
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 5.29%
5-Year Asset Growth 6.00%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.06%
Non-Performing Loans to Loans 0.00%
Balance Sheet Union State Bank
Clay Center, KS
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Total Assets 202.26M
Total Deposits 170.15M
Capital and Reserves Union State Bank
Clay Center, KS
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Capital 16.79M
Leverage Ratio 10.15
Loan Loss Reserves to Loans 1.23%
Risk-Based Capital Ratio --
Liquidity Union State Bank
Clay Center, KS
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Hot Money Ratio 17.57%
Liquidity Ratio 14.80%
Profitability Union State Bank
Clay Center, KS
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5-Year Return on Average Assets 0.60%
Net Income 1.52M
Net Interest Spread 3.00%
Operating Profit to Average Assets 0.97%
Overhead Efficiency Ratio 68.65%
Return on Assets 0.75%
Return on Equity 9.84%