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Union State Bank
Pell City, AL · FDIC Certificate #5602 · Chartered 01/0
Total assets
$212.45M
Total deposits
$191.66M
Total equity
$11.82M
Net loans
$98.13M
Branches (offices)
8
Net income (YTD)
$451.00K
Rank: #2,901 of 4,213 U.S. banks by assets · #61 of 93 in Alabama. Assets changed -1.7% and deposits -7.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.43% |
| Return on equity | 8.00% |
| Net interest margin (YTD) | 3.59% |
| Equity to assets | 5.56% |
| Tier 1 leverage ratio | 9.61% |
| Uninsured deposits (share of deposits) | 23.0% |
| Noncurrent loans (share of loans) | 2.00% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 51.2% |
| Real estate loans (share of loans) | 88.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $87.15M | 88.8% | |
| Commercial & industrial | $8.47M | 8.6% | |
| Consumer / individual | $2.16M | 2.2% | |
| Construction & development | $16.52M | 16.8% | |
| Agricultural | $242.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $265.60M | $263.18M | -$164.00K | $1.83M |
| Jun 2023 | $226.96M | $222.11M | $982.00K | $4.04M |
| Jun 2024 | $217.03M | $209.54M | -$102.00K | $6.07M |
| Jun 2025 | $216.03M | $206.93M | $226.00K | $7.97M |
| Jun 2026 | $212.45M | $191.66M | $451.00K | $11.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $191.66M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $191.66M.
Similar-sized banks
The Lyon County State Bank ($212.50M) · 1St Advantage Bank ($211.99M)
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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