B
Union State Bank
Rating Date
October 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 8.60
Capitalization Index 8.40
Liquidity Index 3.00
Profitability Index 3.70
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 3.19%
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 0.03%
Non-Performing Loans to Capital 0.34%
Non-Performing Loans to Loans 0.05%
Balance Sheet Union State Bank
Clay Center, KS
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Total Assets 198.13M
Total Deposits 167.56M
Capital and Reserves Union State Bank
Clay Center, KS
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Capital 16.35M
Leverage Ratio 9.96
Loan Loss Reserves to Loans 1.21%
Risk-Based Capital Ratio --
Liquidity Union State Bank
Clay Center, KS
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Hot Money Ratio 18.46%
Liquidity Ratio 12.61%
Profitability Union State Bank
Clay Center, KS
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5-Year Return on Average Assets 0.60%
Net Income 1.03M
Net Interest Spread 2.93%
Operating Profit to Average Assets 0.90%
Overhead Efficiency Ratio 69.82%
Return on Assets 0.68%
Return on Equity 9.09%