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Union Savings Bank
Freeport, IL · FDIC Certificate #29121 · Chartered 01/0
Total assets
$181.99M
Total deposits
$166.05M
Total equity
$14.45M
Net loans
$115.17M
Branches (offices)
4
Net income (YTD)
$281.00K
Rank: #3,103 of 4,213 U.S. banks by assets · #212 of 322 in Illinois. Assets changed -1.3% and deposits -2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.31% |
| Return on equity | 3.95% |
| Net interest margin (YTD) | 3.70% |
| Equity to assets | 7.94% |
| Tier 1 leverage ratio | 9.52% |
| Uninsured deposits (share of deposits) | 6.6% |
| Noncurrent loans (share of loans) | 0.27% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 69.4% |
| Real estate loans (share of loans) | 90.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $104.62M | 90.8% | |
| Commercial & industrial | $9.16M | 8.0% | |
| Consumer / individual | $1.16M | 1.0% | |
| Construction & development | $663.00K | 0.6% | |
| Agricultural | $1.15M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $191.89M | $178.85M | $118.00K | $12.43M |
| Jun 2023 | $187.51M | $173.87M | -$27.00K | $10.35M |
| Jun 2024 | $182.26M | $167.31M | -$76.00K | $11.00M |
| Jun 2025 | $184.46M | $169.82M | $130.00K | $13.07M |
| Jun 2026 | $181.99M | $166.05M | $281.00K | $14.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $166.05M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $166.05M.
Similar-sized banks
St. Ansgar State Bank ($182.04M) · First National Bank Of Nokomis ($181.88M)
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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