TellerScore

Union State Bank (FDIC certificate #14560) is based in West Salem, Wisconsin. Its Q2 2026 call report shows $117.6M in total assets and $97.4M in deposits and 2 offices.

Based on its Q2 2026 filing, Union State Bank scores 82/100, which we describe as strong. That is higher than 82% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 37th. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is capital cushion (72/100; 12.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Tier 1 leverage ratio: 12.15%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.14%
Earnings74/100
Return on assets (annualized): 1.34%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 79.6% · 14.1% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.83%

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 8 points (74 → 82), mostly because the earnings component improved by 23 points.

TellerScore
737882Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202473
Q4 202474
Q1 202576
Q2 202574
Q3 202576
Q4 202576
Q1 202681
Q2 202682
Tier 1 leverage ratio
5.00%8.58%12.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.17%
Q3 202411.27%
Q4 202411.37%
Q1 202511.04%
Q2 202511.53%
Q3 202511.72%
Q4 202511.47%
Q1 202611.40%
Q2 202612.15%
Noncurrent loans
0.00%0.17%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.05%
Q1 20250.00%
Q2 20250.33%
Q3 20250.25%
Q4 20250.17%
Q1 20260.15%
Q2 20260.14%
Return on assets
0.36%0.88%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.36%
Q3 20240.37%
Q4 20240.48%
Q1 20250.72%
Q2 20250.76%
Q3 20250.79%
Q4 20250.89%
Q1 20261.41%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$117.6M12.15%0.14%1.34%79.6%
Q1 202681$119.1M11.40%0.15%1.41%74.7%
Q4 202576$125.3M11.47%0.17%0.89%73.1%
Q3 202576$114.3M11.72%0.25%0.79%77.7%
Q2 202574$113.0M11.53%0.33%0.76%77.6%
Q1 202576$114.2M11.04%0.00%0.72%73.3%
Q4 202474$114.9M11.37%0.05%0.48%74.4%
Q3 202473$111.4M11.27%0.00%0.37%77.4%
Q2 202473$110.4M11.17%0.00%0.36%75.0%

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).

Capital ratio12.15%
66th
Total risk-based capital0.00%
24th
Problem loans0.14%
70th
Net charge-offs0.00%
68th
Return on assets1.34%
56th
Net interest margin3.80%
42nd
Efficiency ratio57.9%
64th
Loans to deposits79.6%
50th
Uninsured deposits14.1%
84th
Loan-loss reserves0.89%
16th
Texas ratio0.8%
72nd

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Richland County BankBank Richland Center, WI96 out of 100, Very strong$114.1M17.8%0.00%vs
Headwaters State BankBank Land O' Lakes, WI47 out of 100, Below average$122.5M11.2%6.35%vs
Conservation First BankBank Benton, WI82 out of 100, Strong$127.5M14.0%0.74%vs
KeySavings BankBank Wisconsin Rapids, WI68 out of 100, Moderate$129.5M9.4%0.07%vs
The International Bank of AmherstBank Amherst, WI98 out of 100, Very strong$103.6M14.4%0.00%vs
Bonduel State BankBank Bonduel, WI89 out of 100, Very strong$132.1M14.0%0.01%vs

Deposit insurance

Is my money safe at Union State Bank?

Yes. Union State Bank is an FDIC-insured institution (FDIC certificate #14560). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.1% of deposits ($13.7M) 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 12.15%, 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

2 locations

Branches

Union State Bank lists 2 offices in 1 city. Most locations:

  • West Salem, WI (2)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Union State Bank reported 50 home-loan applications under HMDA (LEI 54930000ZYOSM7IG6Q56): 45 originated ($8,735,000 total), 2 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.1%, 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 State Bank
Former names
Union State Bank of West Salem
Type
State-chartered bank
FDIC certificate #
14560
RSSD ID
903754
Primary regulator
FDIC
Established
August 25, 1903
Headquarters
120 Mill St S, West Salem, WI 54669
Employees
16

Quick answers

Union State Bank: common questions

Is Union State Bank FDIC insured?

Yes. Union State Bank is an FDIC-insured institution (FDIC certificate #14560). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Union State Bank's TellerScore?

82 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 State Bank ever failed?

There is no failure record for FDIC certificate #14560 in the FDIC failed bank list.

How many branches does Union State Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near West Salem

InstitutionScoreAssetsCapitalProblem loansCompare
Bluff View BankBank Galesville, WI90 out of 100, Very strong$152.8M14.9%0.00%vs
The First National Bank of BangorBank Bangor, WI83 out of 100, Strong$363.7M31.6%0.95%vs
Firefighters Credit UnionCredit union Onalaska, WI83 out of 100, Strong$133.0M16.1%0.57%vs
Gundersen Credit UnionCredit union LA Crosse, WI82 out of 100, Strong$85.3M13.8%0.07%vs
Bank of CashtonBank Cashton, WI79 out of 100, Strong$146.1M10.9%0.00%vs
Altra Federal Credit UnionCredit union Onalaska, WI78 out of 100, Strong$3.1B12.7%0.46%vs