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
Clay Center, KS
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Rating B
Asset Quality Index 8.70
Capitalization Index 8.00
Liquidity Index 3.20
Profitability Index 3.20
Stability Index 4.70
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 3.69%
5-Year Asset Growth 6.19%
5-Year Charge-Offs to Average Loans -0.02%
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 196.82M
Total Deposits 165.10M
Capital and Reserves Union State Bank
Clay Center, KS
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Capital 14.80M
Leverage Ratio 9.69
Loan Loss Reserves to Loans 1.24%
Risk-Based Capital Ratio --
Liquidity Union State Bank
Clay Center, KS
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Hot Money Ratio 16.34%
Liquidity Ratio 14.40%
Profitability Union State Bank
Clay Center, KS
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5-Year Return on Average Assets 0.60%
Net Income 295.00K
Net Interest Spread 2.77%
Operating Profit to Average Assets 0.76%
Overhead Efficiency Ratio 73.37%
Return on Assets 0.58%
Return on Equity 8.26%