Union State Bank
Major Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 9.3. A current level of 0.7 percent of nonperforming loans to core capital combined with 2.8 percent from a year earlier contributes to the Excellent asset quality (7.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (3.7) profitability.
Asset Mix:
Securities (25%), home mtgs (21%), comm re (16%), comm loans (7%), cash (4%), consumer loans (2%), home eq lns (1%), other (24%)
States with Branches:
KS, OK
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Docking Bancshares, Inc.
Investment Rating
--
Address
127 South Summit Street
Arkansas City, KS 67005
Arkansas City, KS 67005
Phone Number
(620) 442-5200
Year Founded
1908
FDIC Number
Website
Largest Affiliates
No affiliate information available.