Union State Bank is a state-chartered bank headquartered in Olsburg, Kansas, in business for about 116 years. At the end of Q2 2026 it reported $44.3M in total assets and $39.1M in deposits, with 2 offices.
Union State Bank has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 16th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (77/100, 12.65%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (89 → 89).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 87 |
| Q4 2024 | 86 |
| Q1 2025 | 88 |
| Q2 2025 | 89 |
| Q3 2025 | 90 |
| Q4 2025 | 88 |
| Q1 2026 | 88 |
| Q2 2026 | 89 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.91% |
| Q3 2024 | 13.09% |
| Q4 2024 | 12.94% |
| Q1 2025 | 12.89% |
| Q2 2025 | 12.98% |
| Q3 2025 | 13.29% |
| Q4 2025 | 13.04% |
| Q1 2026 | 12.81% |
| Q2 2026 | 12.65% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 1.03% |
| Q4 2024 | 1.07% |
| Q1 2025 | 1.33% |
| Q2 2025 | 1.41% |
| Q3 2025 | 1.39% |
| Q4 2025 | 1.21% |
| Q1 2026 | 1.33% |
| Q2 2026 | 1.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 89 | $44.3M | 12.65% | 0.00% | 1.46% | 47.5% |
| Q1 2026 | 88 | $43.2M | 12.81% | 0.00% | 1.33% | 48.5% |
| Q4 2025 | 88 | $41.8M | 13.04% | 0.00% | 1.21% | 52.9% |
| Q3 2025 | 90 | $39.9M | 13.29% | 0.00% | 1.39% | 46.6% |
| Q2 2025 | 89 | $39.6M | 12.98% | 0.00% | 1.41% | 46.3% |
| Q1 2025 | 88 | $40.5M | 12.89% | 0.00% | 1.33% | 45.0% |
| Q4 2024 | 86 | $38.4M | 12.94% | 0.00% | 1.07% | 47.9% |
| Q3 2024 | 87 | $38.5M | 13.09% | 0.00% | 1.03% | 41.2% |
| Q2 2024 | 86 | $37.2M | 12.91% | 0.00% | 0.99% | 42.1% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Ninnescah Valley BankBank Cunningham, KS | 57 out of 100, Moderate | $44.6M | 12.0% | 3.54% | vs |
| Farmers State BankBank Phillipsburg, KS | 69 out of 100, Moderate | $42.8M | 11.7% | 1.32% | vs |
| Ventura National Bank & TrustBank Harveyville, KS | 72 out of 100, Strong | $41.7M | 17.9% | 0.09% | vs |
| The First State Bank of RansomBank Ransom, KS | 91 out of 100, Very strong | $48.9M | 20.1% | 0.34% | vs |
| Cottonwood Valley BankBank Cedar Point, KS | 90 out of 100, Very strong | $38.1M | 14.4% | 0.00% | vs |
| The State Exchange BankBank Mankato, KS | 65 out of 100, Moderate | $50.9M | 12.2% | 1.85% | vs |
Deposit insurance
Is my money safe at Union State Bank?
Yes. Union State Bank is an FDIC-insured institution (FDIC certificate #15098). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.7% of deposits ($5.3M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.65%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 30.80% (benchmark: 10%).
2 locations
Branches
Union State Bank lists 2 offices in 2 cities. Most locations:
- Olsburg, KS (1)
- Randolph, KS (1)
Identity & history
Profile
- Legal name
- Union State Bank
- Former names
- The Union State Bank of Cleburne
- Type
- State-chartered bank
- FDIC certificate #
- 15098
- RSSD ID
- 866251
- Primary regulator
- FDIC
- Established
- November 1, 1910
- Headquarters
- 204 E Highway 16, Olsburg, KS 66520
- Employees
- 8
Quick answers
Union State Bank: common questions
Is Union State Bank FDIC insured?
Yes. Union State Bank is an FDIC-insured institution (FDIC certificate #15098). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Union State Bank's TellerScore?
89 out of 100 (Very 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 #15098 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 Olsburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kaw Valley State Bank and Trust CompanyBank Wamego, KS | 85 out of 100, Very strong | $295.8M | 11.7% | 0.08% | vs |
| New Century BankBank Belleville, KS | 79 out of 100, Strong | $88.9M | 13.2% | 0.87% | vs |
| United Bank & TrustBank Marysville, KS | 79 out of 100, Strong | $892.9M | 11.5% | 0.00% | vs |
| First Commerce BankBank Marysville, KS | 79 out of 100, Strong | $138.5M | 11.8% | 0.26% | vs |
| The Riley State Bank of Riley, KansasBank Riley, KS | 78 out of 100, Strong | $132.0M | 10.5% | 0.00% | vs |
| Central National BankBank Junction City, KS | 78 out of 100, Strong | $1.4B | 11.0% | 0.01% | vs |