Headquartered in Everest, Kansas, The Union State Bank of Everest is a state-chartered bank (fed member) with $427.3M in total assets and $382.0M in deposits as of Q2 2026. It operates 9 offices across 2 states. Its charter dates back to 1901.
Based on its Q2 2026 filing, The Union State Bank of Everest scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 137th. Its strongest component is earnings (85/100; 1.62%), and its lowest is capital cushion (50/100; 9.99%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (66 → 68), mostly because the earnings component improved by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 68 |
| Q4 2024 | 69 |
| Q1 2025 | 69 |
| Q2 2025 | 66 |
| Q3 2025 | 62 |
| Q4 2025 | 62 |
| Q1 2026 | 63 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.44% |
| Q3 2024 | 9.30% |
| Q4 2024 | 9.05% |
| Q1 2025 | 9.28% |
| Q2 2025 | 9.34% |
| Q3 2025 | 9.37% |
| Q4 2025 | 9.29% |
| Q1 2026 | 9.54% |
| Q2 2026 | 9.99% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.15% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.67% |
| Q3 2025 | 0.99% |
| Q4 2025 | 0.99% |
| Q1 2026 | 1.29% |
| Q2 2026 | 1.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.92% |
| Q3 2024 | 0.94% |
| Q4 2024 | 1.00% |
| Q1 2025 | 0.93% |
| Q2 2025 | 1.14% |
| Q3 2025 | 1.12% |
| Q4 2025 | 1.22% |
| Q1 2026 | 1.53% |
| Q2 2026 | 1.62% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $427.3M | 9.99% | 1.06% | 1.62% | 80.8% |
| Q1 2026 | 63 | $431.0M | 9.54% | 1.29% | 1.53% | 81.1% |
| Q4 2025 | 62 | $437.2M | 9.29% | 0.99% | 1.22% | 87.3% |
| Q3 2025 | 62 | $434.6M | 9.37% | 0.99% | 1.12% | 84.6% |
| Q2 2025 | 66 | $426.1M | 9.34% | 0.67% | 1.14% | 82.0% |
| Q1 2025 | 69 | $422.3M | 9.28% | 0.20% | 0.93% | 80.5% |
| Q4 2024 | 69 | $427.2M | 9.05% | 0.15% | 1.00% | 84.9% |
| Q3 2024 | 68 | $418.4M | 9.30% | 0.24% | 0.94% | 85.7% |
| Q2 2024 | 69 | $413.0M | 9.44% | 0.21% | 0.92% | 84.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Astra BankBank Scandia, KS | 70 out of 100, Strong | $423.3M | 9.3% | 0.03% | vs |
| The Citizens State BankBank Marysville, KS | 65 out of 100, Moderate | $442.4M | 9.8% | 1.28% | vs |
| Bank of the PlainsBank Plains, KS | 71 out of 100, Strong | $445.6M | 9.3% | 0.44% | vs |
| The Citizens State BankBank Moundridge, KS | 95 out of 100, Very strong | $450.6M | 14.4% | 0.01% | vs |
| The Denison State BankBank Holton, KS | 87 out of 100, Very strong | $453.6M | 17.5% | 1.08% | vs |
| Mutual Savings AssociationBank Leavenworth, KS | 80 out of 100, Strong | $398.6M | 23.8% | 1.11% | vs |
Deposit insurance
Is my money safe at The Union State Bank of Everest?
Yes. The Union State Bank of Everest is an FDIC-insured institution (FDIC certificate #18610). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.1% of deposits ($73.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.99%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.62% (benchmark: 10%).
9 locations
Branches
The Union State Bank of Everest lists 8 offices in 8 cities across 2 states. Most locations:
- Atchison, KS (1)
- Everest, KS (1)
- Gower, MO (1)
- Horton, KS (1)
- Kansas City, MO (1)
- Mc Louth, KS (1)
- Oskaloosa, KS (1)
- Plattsburg, MO (1)
HMDA 2025
Mortgage lending
In 2025, The Union State Bank of Everest reported 202 home-loan applications under HMDA (LEI 254900AECSSNLT5FBU41): 179 originated ($35,175,000 total), 12 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The Union State Bank of Everest
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 18610
- RSSD ID
- 736550
- Primary regulator
- FED
- Holding company
- Everest Bancshares Inc
- Established
- August 5, 1901
- Headquarters
- 545 Main St, Everest, KS 66424
- Website
- www.mybankusb.com
- Employees
- 83
Quick answers
The Union State Bank of Everest: common questions
Is The Union State Bank of Everest FDIC insured?
Yes. The Union State Bank of Everest is an FDIC-insured institution (FDIC certificate #18610). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Union State Bank of Everest's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Union State Bank of Everest ever failed?
There is no failure record for FDIC certificate #18610 in the FDIC failed bank list.
How many branches does The Union State Bank of Everest have?
9 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Everest
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens State Bank and Trust CompanyBank Hiawatha, KS | 95 out of 100, Very strong | $103.6M | 18.3% | 0.21% | vs |
| Exchange Bank & TrustBank Atchison, KS | 88 out of 100, Very strong | $626.8M | 13.0% | 0.23% | vs |
| The Denison State BankBank Holton, KS | 87 out of 100, Very strong | $453.6M | 17.5% | 1.08% | vs |
| The Farmers State BankBank Holton, KS | 83 out of 100, Strong | $86.3M | 12.7% | 0.45% | vs |
| GNBank, National AssociationBank Girard, KS | 80 out of 100, Strong | $1.1B | 11.6% | 0.13% | vs |
| United Bank & TrustBank Marysville, KS | 79 out of 100, Strong | $892.9M | 11.5% | 0.00% | vs |