B
Union State Bank
Rating Date
August 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 8.90
Liquidity Index 3.30
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 3.58%
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 206.18M
Total Deposits 175.24M
Capital and Reserves Union State Bank
Clay Center, KS
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Capital 17.37M
Leverage Ratio 10.29
Loan Loss Reserves to Loans 1.29%
Risk-Based Capital Ratio --
Liquidity Union State Bank
Clay Center, KS
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Hot Money Ratio 15.56%
Liquidity Ratio 13.98%
Profitability Union State Bank
Clay Center, KS
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5-Year Return on Average Assets 0.59%
Net Income 883.00K
Net Interest Spread 3.18%
Operating Profit to Average Assets 1.10%
Overhead Efficiency Ratio 65.43%
Return on Assets 0.85%
Return on Equity 10.37%