Union Savings Bank (FDIC certificate #32296) is based in Cincinnati, Ohio. Its Q2 2026 call report shows $4.0B in total assets and $3.5B in deposits and 39 offices across 3 states.
Based on its Q2 2026 filing, Union Savings Bank scores 74/100, which we describe as strong. That is higher than 74% of 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 51st. Its strongest component is earnings (100/100; 2.01%), and its lowest is capital cushion (55/100; 10.51%).
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 4 points (70 → 74), mostly because the earnings component improved by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 68 |
| Q4 2024 | 68 |
| Q1 2025 | 69 |
| Q2 2025 | 70 |
| Q3 2025 | 72 |
| Q4 2025 | 72 |
| Q1 2026 | 74 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.38% |
| Q3 2024 | 10.38% |
| Q4 2024 | 10.48% |
| Q1 2025 | 10.50% |
| Q2 2025 | 10.40% |
| Q3 2025 | 10.38% |
| Q4 2025 | 10.30% |
| Q1 2026 | 10.44% |
| Q2 2026 | 10.51% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.26% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.43% |
| Q2 2025 | 0.39% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.51% |
| Q1 2026 | 0.64% |
| Q2 2026 | 0.70% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.70% |
| Q3 2024 | 0.85% |
| Q4 2024 | 0.83% |
| Q1 2025 | 1.08% |
| Q2 2025 | 1.27% |
| Q3 2025 | 1.69% |
| Q4 2025 | 1.65% |
| Q1 2026 | 2.24% |
| Q2 2026 | 2.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $4.0B | 10.51% | 0.70% | 2.01% | 99.7% |
| Q1 2026 | 74 | $4.0B | 10.44% | 0.64% | 2.24% | 100.8% |
| Q4 2025 | 72 | $4.0B | 10.30% | 0.51% | 1.65% | 101.5% |
| Q3 2025 | 72 | $4.1B | 10.38% | 0.52% | 1.69% | 105.3% |
| Q2 2025 | 70 | $4.0B | 10.40% | 0.39% | 1.27% | 105.4% |
| Q1 2025 | 69 | $3.9B | 10.50% | 0.43% | 1.08% | 100.2% |
| Q4 2024 | 68 | $3.9B | 10.48% | 0.33% | 0.83% | 100.0% |
| Q3 2024 | 68 | $4.0B | 10.38% | 0.26% | 0.85% | 105.3% |
| Q2 2024 | 66 | $3.9B | 10.38% | 0.20% | 0.70% | 109.3% |
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).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Civista BankBank Sandusky, OH | 75 out of 100, Strong | $4.3B | 12.7% | 0.92% | vs |
| National Cooperative Bank, N.A.Bank Hillsboro, OH | 46 out of 100, Below average | $4.3B | 11.3% | 2.67% | vs |
| The Farmers & Merchants State BankBank Archbold, OH | 70 out of 100, Strong | $3.5B | 9.4% | 0.27% | vs |
| Erebor Bank, N.A.Bank Columbus, OH | 78 out of 100, Strong | $4.7B | 38.8% | 0.00% | vs |
| First Federal Savings and Loan Association of LakewoodBank Lakewood, OH | 56 out of 100, Moderate | $2.9B | 8.4% | 0.44% | vs |
| LCNB National BankBank Lebanon, OH | 68 out of 100, Moderate | $2.2B | 9.3% | 0.34% | vs |
Deposit insurance
Is my money safe at Union Savings Bank?
Yes. Union Savings Bank is an FDIC-insured institution (FDIC certificate #32296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.4% of deposits ($475.4M) 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 10.51%, 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%).
39 locations
Branches
Union Savings Bank lists 39 offices in 31 cities across 3 states. Most locations:
- Cincinnati, OH (8)
- Columbus, OH (2)
- Bloomington, IN (1)
- Chillicothe, OH (1)
- Cleveland, OH (1)
- Columbus, IN (1)
- Dayton, OH (1)
- Englewood, OH (1)
- Fairborn, OH (1)
- Fairfield, OH (1)
- Fort Wayne, IN (1)
- Franklin, OH (1)
HMDA 2025
Mortgage lending
In 2025, Union Savings Bank reported 9,887 home-loan applications under HMDA (LEI 549300HFBEONQN2CK447): 8,105 originated ($2,316,215,000 total), 468 denied, and 1,118 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.3%, 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
- Type
- Savings association
- FDIC certificate #
- 32296
- RSSD ID
- 911973
- Primary regulator
- FDIC
- Established
- March 1, 1904
- Headquarters
- 8805 Governors Hill Dr, Cincinnati, OH 45249
- Website
- www.unionsavingsbank.com
- Employees
- 497
Quick answers
Union Savings Bank: common questions
Is Union Savings Bank FDIC insured?
Yes. Union Savings Bank is an FDIC-insured institution (FDIC certificate #32296). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Union Savings Bank's TellerScore?
74 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 #32296 in the FDIC failed bank list.
How many branches does Union Savings Bank have?
39 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Cincinnati
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH | 92 out of 100, Very strong | $30.8M | 18.2% | 0.82% | vs |
| Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH | 91 out of 100, Very strong | $46.8M | 20.3% | 0.52% | vs |
| Northern Kentucky Federal Credit UnionCredit union Highland Height, KY | 91 out of 100, Very strong | $43.1M | 14.0% | 0.29% | vs |
| Deca Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $7.6M | 18.9% | 0.45% | vs |
| St. James Parish Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $5.9M | 21.8% | 0.00% | vs |