Union State Bank
Total assets
$212.5M
▼ -1.7% YoY
Deposits
$191.7M
▼ -7.4% YoY
Loans
$98.1M
▲ +20.9% YoY
Offices
8
UNION BANCSHARES INC
ROA (annualized)
0.43%
peers 1.24%
ROE (annualized)
8.00%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Union State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +4.4% | -6.0 pts |
| Deposit growth (YoY) | -7.4% | +4.0% | -11.3 pts |
| Loan growth (YoY) | +20.9% | +5.6% | +15.3 pts |
| ROA | 0.43% | 1.24% | -0.8 pts |
| ROE | 8.0% | 11.9% | -3.9 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
Profile
- Established
- 1903
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- UNION BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 15 20th St N, Pell City, AL, 35125
- County
- St. Clair
- Metro area
- Birmingham-Hoover, AL
- Offices
- 8
- FDIC cert #
- 5602
- RSSD ID
- 467733
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $212.5M | $191.7M | $98.1M | $11.8M | $451K | 0.43% | 3.59% | 1.04% |
| Q1 2026 | $205.4M | $189.2M | $89.3M | $11.2M | $239K | 0.45% | 3.54% | 0.56% |
| Q4 2025 | $216.4M | $204.7M | $84.1M | $10.8M | $1.6M | 0.73% | 3.09% | 0.25% |
| Q3 2025 | $212.2M | $202.0M | $82.7M | $9.1M | $261K | 0.16% | 2.99% | 0.20% |
| Q2 2025 | $216.0M | $206.9M | $81.2M | $8.0M | $226K | 0.21% | 2.86% | 0.19% |
| Q1 2025 | $218.3M | $209.7M | $77.0M | $7.6M | $53K | 0.10% | 2.72% | 0.22% |
| Q4 2024 | $225.9M | $218.2M | $75.3M | $6.7M | $-179K | -0.08% | 2.92% | 0.07% |
| Q3 2024 | $211.9M | $203.5M | $78.5M | $7.4M | $-297K | -0.18% | 2.96% | 0.18% |
Loan mix (Q2 2026): real estate $87.2M · commercial $8.5M · consumer $2.2M · securities $67.7M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Union State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.96% | 31th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.3% | 62.9% | 92th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Union State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Union State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Union State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Union State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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