Union State Bank is a state-chartered bank (fed member) headquartered in Clay Center, Kansas, in business for about 125 years. At the end of Q2 2026 it reported $206.2M in total assets and $175.2M in deposits, with 4 offices.
Union State Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 108th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (53/100, 10.29%).
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 (69 → 73), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 67 |
| Q4 2024 | 66 |
| Q1 2025 | 69 |
| Q2 2025 | 69 |
| Q3 2025 | 70 |
| Q4 2025 | 71 |
| Q1 2026 | 73 |
| Q2 2026 | 73 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.54% |
| Q3 2024 | 10.56% |
| Q4 2024 | 9.72% |
| Q1 2025 | 9.69% |
| Q2 2025 | 9.76% |
| Q3 2025 | 9.96% |
| Q4 2025 | 10.15% |
| Q1 2026 | 10.04% |
| Q2 2026 | 10.29% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.27% |
| Q4 2024 | 0.09% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.01% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.46% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.68% |
| Q3 2025 | 0.70% |
| Q4 2025 | 0.77% |
| Q1 2026 | 0.90% |
| Q2 2026 | 0.87% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $206.2M | 10.29% | 0.00% | 0.87% | 65.1% |
| Q1 2026 | 73 | $199.1M | 10.04% | 0.00% | 0.90% | 67.5% |
| Q4 2025 | 71 | $202.3M | 10.15% | 0.01% | 0.77% | 69.1% |
| Q3 2025 | 70 | $198.1M | 9.96% | 0.06% | 0.70% | 70.6% |
| Q2 2025 | 69 | $199.1M | 9.76% | 0.05% | 0.68% | 72.0% |
| Q1 2025 | 69 | $196.8M | 9.69% | 0.00% | 0.61% | 69.4% |
| Q4 2024 | 66 | $192.1M | 9.72% | 0.09% | 0.46% | 73.9% |
| Q3 2024 | 67 | $192.0M | 10.56% | 0.27% | 0.48% | 76.6% |
| Q2 2024 | 70 | $188.7M | 10.54% | 0.00% | 0.49% | 73.7% |
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 |
|---|---|---|---|---|---|
| Halstead BankBank Halstead, KS | 69 out of 100, Moderate | $205.9M | 8.6% | 0.29% | vs |
| The Kansas State BankBank Ottawa, KS | 65 out of 100, Moderate | $208.4M | 9.2% | 0.85% | vs |
| The First National Bank of LouisburgBank Louisburg, KS | 81 out of 100, Strong | $201.3M | 10.9% | 0.00% | vs |
| Kendall BankBank Overland Park, KS | 39 out of 100, Low | $211.1M | 9.6% | 3.54% | vs |
| The Valley State BankBank Belle Plaine, KS | 78 out of 100, Strong | $200.5M | 12.2% | 0.09% | vs |
| The Lyon County State BankBank Emporia, KS | 77 out of 100, Strong | $212.5M | 9.6% | 0.20% | vs |
Deposit insurance
Is my money safe at Union State Bank?
Yes. Union State Bank is an FDIC-insured institution (FDIC certificate #15908). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.5% of deposits ($60.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.29%, 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%).
4 locations
Branches
Union State Bank lists 3 offices in 3 cities. Most locations:
- Barnes, KS (1)
- Clay Center, KS (1)
- Palmer, KS (1)
Identity & history
Profile
- Legal name
- Union State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 15908
- RSSD ID
- 865759
- Primary regulator
- FED
- Holding company
- Union State Banc Holding Corp
- Established
- June 1, 1901
- Headquarters
- 701 5th St, Clay Center, KS 67432
- Website
- www.usbcc.com
- Employees
- 26
Quick answers
Union State Bank: common questions
Is Union State Bank FDIC insured?
Yes. Union State Bank is an FDIC-insured institution (FDIC certificate #15908). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Union State Bank's TellerScore?
73 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 #15908 in the FDIC failed bank list.
How many branches does Union State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clay Center
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Union State BankBank Olsburg, KS | 89 out of 100, Very strong | $44.3M | 12.7% | 0.00% | vs |
| Kaw Valley State Bank and Trust CompanyBank Wamego, KS | 85 out of 100, Very strong | $295.8M | 11.7% | 0.08% | 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 |
| The Riley State Bank of Riley, KansasBank Riley, KS | 78 out of 100, Strong | $132.0M | 10.5% | 0.00% | vs |
| The First National Bank of HopeBank Hope, KS | 75 out of 100, Strong | $83.4M | 13.8% | 1.33% | vs |