TellerScore

Union Savings Bank is a si headquartered in Danbury, Connecticut, in business for about 160 years. At the end of Q2 2026 it reported $3.3B in total assets and $2.5B in deposits, with 26 offices.

Union Savings Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 897 banks with $1 billion – $10 billion. Among 27 banks headquartered in Connecticut, it ranks 10th. Problem-loan coverage contributes the most (96/100, 2.0%); earnings contributes the least (52/100, 0.81%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Tier 1 leverage ratio: 11.48%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.29%
Earnings52/100
Return on assets (annualized): 0.81%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 92.6% · 22.7% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.97%

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 (69 → 71), mostly because the earnings component improved by 5 points.

TellerScore
636771Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202464
Q4 202463
Q1 202569
Q2 202569
Q3 202569
Q4 202569
Q1 202671
Q2 202671
Tier 1 leverage ratio
5.00%8.27%11.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.24%
Q3 202411.32%
Q4 202411.14%
Q1 202511.33%
Q2 202511.50%
Q3 202511.53%
Q4 202511.33%
Q1 202611.41%
Q2 202611.48%
Noncurrent loans
0.29%0.51%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.72%
Q3 20240.72%
Q4 20240.56%
Q1 20250.40%
Q2 20250.38%
Q3 20250.34%
Q4 20250.33%
Q1 20260.31%
Q2 20260.29%
Return on assets
0.23%0.52%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.41%
Q3 20240.39%
Q4 20240.23%
Q1 20250.67%
Q2 20250.67%
Q3 20250.68%
Q4 20250.61%
Q1 20260.77%
Q2 20260.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$3.3B11.48%0.29%0.81%92.6%
Q1 202671$3.3B11.41%0.31%0.77%91.2%
Q4 202569$3.3B11.33%0.33%0.61%92.5%
Q3 202569$3.2B11.53%0.34%0.68%96.0%
Q2 202569$3.2B11.50%0.38%0.67%91.6%
Q1 202569$3.1B11.33%0.40%0.67%90.6%
Q4 202463$3.1B11.14%0.56%0.23%90.5%
Q3 202464$3.1B11.32%0.72%0.39%89.5%
Q2 202464$3.0B11.24%0.72%0.41%87.0%

897 peers · $1 billion – $10 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).

Capital ratio11.48%
69th
Total risk-based capital0.00%
13th
Problem loans0.29%
69th
Net charge-offs-0.01%
93rd
Return on assets0.81%
19th
Net interest margin3.10%
19th
Efficiency ratio69.7%
22nd
Loans to deposits92.6%
33rd
Uninsured deposits22.7%
77th
Loan-loss reserves1.02%
34th
Texas ratio2.0%
69th

Similar-size banks in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Bankwell BankBank New Canaan, CT68 out of 100, Moderate$3.5B10.4%0.54%vs
Ion BankBank Naugatuck, CT62 out of 100, Moderate$2.8B11.9%1.49%vs
First County BankBank Stamford, CT61 out of 100, Moderate$2.4B9.6%0.24%vs
Thomaston Savings BankBank Thomaston, CT68 out of 100, Moderate$1.9B10.7%0.65%vs
Fairfield County BankBank Ridgefield, CT76 out of 100, Strong$1.9B14.3%0.05%vs
Newtown Savings BankBank Newtown, CT65 out of 100, Moderate$1.9B9.5%0.37%vs

Deposit insurance

Is my money safe at Union Savings Bank?

Yes. Union Savings Bank is an FDIC-insured institution (FDIC certificate #18190). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.7% of deposits ($578.2M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.48%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

26 locations

Branches

Union Savings Bank lists 25 offices in 18 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Union Savings Bank reported 863 home-loan applications under HMDA (LEI 1VUZZZCW0TWP6R7N3Z33): 643 originated ($251,275,000 total), 129 denied, and 82 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.5%, 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
Union Savings Bank
Former names
The Union Savings Bank of Danbury
Type
SI
FDIC certificate #
18190
RSSD ID
443205
Primary regulator
FDIC
Holding company
Usb Bcorp Inc
Established
July 1, 1866
Headquarters
226 Main St, Danbury, CT 06810
Employees
364

Quick answers

Union Savings Bank: common questions

Is Union Savings Bank FDIC insured?

Yes. Union Savings Bank is an FDIC-insured institution (FDIC certificate #18190). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Union Savings Bank's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Union Savings Bank ever failed?

There is no failure record for FDIC certificate #18190 in the FDIC failed bank list.

How many branches does Union Savings Bank have?

26 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Danbury

InstitutionScoreAssetsCapitalProblem loansCompare
Waterbury Connecticut Teachers Federal Credit UnionCredit union Waterbury, CT91 out of 100, Very strong$365.2M17.1%0.26%vs
Bridgeport Police Federal Credit UnionCredit union Bridgeport, CT86 out of 100, Very strong$29.6M18.7%1.65%vs
Sikorsky Financial Credit UnionCredit union Stratford, CT84 out of 100, Strong$1.5B12.9%0.25%vs
The Putnam County National Bank of CarmelBank Carmel, NY83 out of 100, Strong$182.7M26.8%0.48%vs
East End Baptist Tabernacle Federal Credit UnionCredit union Bridgeport, CT82 out of 100, Strong$140K14.8%0.00%vs
Liberty BankBank Middletown, CT79 out of 100, Strong$9.4B13.4%0.32%vs