C
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
Arkansas City, KS
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Rating C
Asset Quality Index 7.80
Capitalization Index 8.80
Liquidity Index 2.50
Profitability Index 5.40
Stability Index 7.60
Company Info Union State Bank
Arkansas City, KS
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FDIC Number 1869
Phone Number (620) 442-5200
Website www.myunionstate.bank
Asset Quality Union State Bank
Arkansas City, KS
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1-Year Asset Growth -0.90%
5-Year Asset Growth 4.25%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 1.40%
Non-Performing Loans to Loans 0.24%
Balance Sheet Union State Bank
Arkansas City, KS
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Total Assets 655.24M
Total Deposits 560.50M
Capital and Reserves Union State Bank
Arkansas City, KS
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Capital 77.10M
Leverage Ratio 10.19
Loan Loss Reserves to Loans 1.15%
Risk-Based Capital Ratio 15.31
Liquidity Union State Bank
Arkansas City, KS
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Hot Money Ratio 20.70%
Liquidity Ratio 10.34%
Profitability Union State Bank
Arkansas City, KS
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5-Year Return on Average Assets 0.83%
Net Income 8.79M
Net Interest Spread 3.99%
Operating Profit to Average Assets 1.33%
Overhead Efficiency Ratio 68.16%
Return on Assets 1.29%
Return on Equity 12.28%