Union State Bank (FDIC certificate #16788) is based in Uniontown, Kansas. Its Q2 2026 call report shows $73.8M in total assets and $65.2M in deposits and 2 offices.
Based on its Q2 2026 filing, Union State Bank scores 79/100, which we describe as strong. That is higher than 63% of 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 66th. Its strongest component is earnings (100/100; 2.91%), and its lowest is capital cushion (54/100; 10.36%).
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 6 points (73 → 79), mostly because the earnings component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 75 |
| Q4 2024 | 72 |
| Q1 2025 | 75 |
| Q2 2025 | 73 |
| Q3 2025 | 75 |
| Q4 2025 | 72 |
| Q1 2026 | 61 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.17% |
| Q3 2024 | 9.28% |
| Q4 2024 | 8.80% |
| Q1 2025 | 9.24% |
| Q2 2025 | 9.48% |
| Q3 2025 | 9.87% |
| Q4 2025 | 9.59% |
| Q1 2026 | 9.73% |
| Q2 2026 | 10.36% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.29% |
| Q3 2025 | 0.24% |
| Q4 2025 | 0.23% |
| Q1 2026 | 1.65% |
| Q2 2026 | 0.18% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.70% |
| Q3 2024 | 1.66% |
| Q4 2024 | 1.49% |
| Q1 2025 | 1.67% |
| Q2 2025 | 1.74% |
| Q3 2025 | 1.69% |
| Q4 2025 | 1.51% |
| Q1 2026 | 1.70% |
| Q2 2026 | 2.91% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $73.8M | 10.36% | 0.18% | 2.91% | 86.6% |
| Q1 2026 | 61 | $73.9M | 9.73% | 1.65% | 1.70% | 80.0% |
| Q4 2025 | 72 | $70.9M | 9.59% | 0.23% | 1.51% | 84.5% |
| Q3 2025 | 75 | $68.9M | 9.87% | 0.24% | 1.69% | 82.8% |
| Q2 2025 | 73 | $69.6M | 9.48% | 0.29% | 1.74% | 81.0% |
| Q1 2025 | 75 | $71.9M | 9.24% | 0.01% | 1.67% | 77.6% |
| Q4 2024 | 72 | $73.0M | 8.80% | 0.00% | 1.49% | 75.6% |
| Q3 2024 | 75 | $68.5M | 9.28% | 0.00% | 1.66% | 81.6% |
| Q2 2024 | 75 | $67.1M | 9.17% | 0.00% | 1.70% | 80.8% |
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 |
|---|---|---|---|---|---|
| Argentine Federal SavingsBank Kansas City, KS | 51 out of 100, Below average | $70.4M | 11.7% | 2.11% | vs |
| Bank of HolyroodBank Holyrood, KS | 66 out of 100, Moderate | $69.8M | 16.7% | 2.92% | vs |
| The Howard State Bank, Howard, KansasBank Howard, KS | 77 out of 100, Strong | $80.2M | 12.2% | 0.69% | vs |
| CBW BankBank Weir, KS | 82 out of 100, Strong | $80.5M | 28.3% | 0.94% | vs |
| Farmers and Merchants Bank of Mound City, KansasBank Mound City, KS | 64 out of 100, Moderate | $65.0M | 6.1% | 0.12% | vs |
| The First National Bank of HopeBank Hope, KS | 75 out of 100, Strong | $83.4M | 13.8% | 1.33% | vs |
Deposit insurance
Is my money safe at Union State Bank?
Yes. Union State Bank is an FDIC-insured institution (FDIC certificate #16788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.6% of deposits ($16.0M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.36%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.07% (benchmark: 10%).
2 locations
Branches
Union State Bank lists 2 offices in 2 cities. Most locations:
- Fort Scott, KS (1)
- Uniontown, KS (1)
Identity & history
Profile
- Legal name
- Union State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16788
- RSSD ID
- 206950
- Primary regulator
- FDIC
- Holding company
- Union State Bancshares Inc
- Established
- August 1, 1901
- Headquarters
- 204 Sherman St, Uniontown, KS 66779
- Website
- www.unionstbank.com
- Employees
- 15
Quick answers
Union State Bank: common questions
Is Union State Bank FDIC insured?
Yes. Union State Bank is an FDIC-insured institution (FDIC certificate #16788). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Union State Bank's TellerScore?
79 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 #16788 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 Uniontown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Liberty Savings Association, FSABank Fort Scott, KS | 86 out of 100, Very strong | $28.2M | 24.1% | 0.00% | vs |
| Exchange State BankBank Saint Paul, KS | 84 out of 100, Strong | $105.0M | 11.6% | 0.00% | vs |
| Kansas Teachers Community Credit UnionCredit union Pittsburg, KS | 83 out of 100, Strong | $125.3M | 15.3% | 1.24% | vs |
| The City State BankBank Fort Scott, KS | 77 out of 100, Strong | $57.7M | 8.9% | 0.00% | vs |
| The Farmers State Bank of Blue MoundBank Blue Mound, KS | 76 out of 100, Strong | $57.6M | 11.6% | 0.20% | vs |
| Bank of CommerceBank Chanute, KS | 74 out of 100, Strong | $497.5M | 9.2% | 0.05% | vs |