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Union Federal Savings And Loan Association
Kewanee, IL · FDIC Certificate #27767 · Chartered 01/0
Total assets
$145.59M
Total deposits
$120.98M
Total equity
$23.70M
Net loans
$109.89M
Branches (offices)
6
Net income (YTD)
$181.00K
Rank: #3,341 of 4,213 U.S. banks by assets · #232 of 322 in Illinois. Assets changed 0.0% and deposits -0.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.25% |
| Return on equity | 1.53% |
| Net interest margin (YTD) | 3.28% |
| Equity to assets | 16.28% |
| Tier 1 leverage ratio | 16.53% |
| Uninsured deposits (share of deposits) | 3.5% |
| Noncurrent loans (share of loans) | 0.51% |
| Net charge-offs (share of loans) | 0.32% |
| Loans to deposits | 90.8% |
| Real estate loans (share of loans) | 99.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $109.74M | 99.9% | |
| Commercial & industrial | $1.27M | 1.2% | |
| Consumer / individual | $253.00K | 0.2% | |
| Construction & development | $1.41M | 1.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $156.85M | $134.18M | -$330.00K | $22.27M |
| Jun 2023 | $152.70M | $129.34M | $352.00K | $22.81M |
| Jun 2024 | $150.87M | $127.19M | $83.00K | $22.91M |
| Jun 2025 | $145.59M | $121.34M | $151.00K | $23.31M |
| Jun 2026 | $145.59M | $120.98M | $181.00K | $23.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $118.23M | 5 |
| Wisconsin | $2.76M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $120.98M.
Similar-sized banks
Jonesburg State Bank ($145.59M) · Vermilion Bank & Trust Company ($145.50M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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