TellerScore

Union State Bank is a state-chartered bank (fed member) headquartered in Arkansas City, Kansas, in business for about 118 years. At the end of Q2 2026 it reported $719.1M in total assets and $633.3M in deposits, with 12 offices across 2 states.

Based on its Q2 2026 filing, Union State Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 85th. Its strongest component is problem-loan coverage (98/100; 1.0%), and its lowest is capital cushion (52/100; 10.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.25%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.19%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity87/100
Loans ÷ deposits and uninsured-deposit share: 68.4% · 19.1% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.01%

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 (75 → 76).

TellerScore
687276Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202468
Q3 202468
Q4 202471
Q1 202576
Q2 202575
Q3 202574
Q4 202575
Q1 202675
Q2 202676
Tier 1 leverage ratio
5.00%7.69%10.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.92%
Q3 20248.90%
Q4 20249.28%
Q1 20259.57%
Q2 20259.58%
Q3 20259.79%
Q4 202510.19%
Q1 202610.37%
Q2 202610.25%
Noncurrent loans
0.01%0.15%0.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.10%
Q3 20240.11%
Q4 20240.01%
Q1 20250.06%
Q2 20250.05%
Q3 20250.18%
Q4 20250.24%
Q1 20260.28%
Q2 20260.19%
Return on assets
0.69%1.00%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.76%
Q4 20240.85%
Q1 20251.30%
Q2 20251.26%
Q3 20251.28%
Q4 20251.32%
Q1 20261.19%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$719.1M10.25%0.19%1.27%68.4%
Q1 202675$661.9M10.37%0.28%1.19%73.3%
Q4 202575$655.2M10.19%0.24%1.32%75.0%
Q3 202574$669.7M9.79%0.18%1.28%74.8%
Q2 202575$678.0M9.58%0.05%1.26%73.4%
Q1 202576$676.0M9.57%0.06%1.30%72.8%
Q4 202471$661.2M9.28%0.01%0.85%75.6%
Q3 202468$702.8M8.90%0.11%0.76%75.9%
Q2 202468$680.0M8.92%0.10%0.69%76.2%

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 ratio10.25%
36th
Total risk-based capital15.11%
69th
Problem loans0.19%
66th
Net charge-offs0.01%
42nd
Return on assets1.27%
51st
Net interest margin4.30%
71st
Efficiency ratio69.0%
32nd
Loans to deposits68.4%
72nd
Uninsured deposits19.1%
68th
Loan-loss reserves1.15%
44th
Texas ratio1.0%
69th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers & Merchants Bank of ColbyBank Colby, KS73 out of 100, Strong$650.8M11.2%0.61%vs
Outdoor BankBank Manhattan, KS31 out of 100, Low$648.8M9.2%3.83%vs
The Bank of TescottBank Tescott, KS79 out of 100, Strong$648.3M10.6%0.08%vs
The Western State BankBank Garden City, KS49 out of 100, Below average$802.1M10.7%3.04%vs
Exchange Bank & TrustBank Atchison, KS88 out of 100, Very strong$626.8M13.0%0.23%vs
First Option BankBank Osawatomie, KS68 out of 100, Moderate$817.6M8.2%0.02%vs

Deposit insurance

Is my money safe at Union State Bank?

Yes. Union State Bank is an FDIC-insured institution (FDIC certificate #1869). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.1% of deposits ($121.1M) 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 10.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.11% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Union State Bank lists 10 offices in 6 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Union State Bank reported 181 home-loan applications under HMDA (LEI 5493007LG15SP6QAWL48): 155 originated ($33,425,000 total), 10 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.0%, 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
The Union State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
1869
RSSD ID
227151
Primary regulator
FED
Holding company
Docking Bancshares Inc
Established
December 30, 1908
Headquarters
127 S Summit St, Arkansas City, KS 67005
Employees
128

Quick answers

Union State Bank: common questions

Is Union State Bank FDIC insured?

Yes. Union State Bank is an FDIC-insured institution (FDIC certificate #1869). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Union State Bank's TellerScore?

76 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 #1869 in the FDIC failed bank list.

How many branches does Union State Bank have?

12 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Arkansas City

InstitutionScoreAssetsCapitalProblem loansCompare
Ark Valley Credit UnionCredit union Arkansas City, KS94 out of 100, Very strong$57.3M15.2%0.19%vs
Impact BankBank Wellington, KS80 out of 100, Strong$167.2M10.6%0.03%vs
The Security State BankBank Wellington, KS79 out of 100, Strong$55.1M15.6%1.44%vs
Bank of CommerceBank Chanute, KS74 out of 100, Strong$497.5M9.2%0.05%vs
RCB BankBank Claremore, OK72 out of 100, Strong$4.0B10.7%0.94%vs
Citizens Bank of KansasBank Kingman, KS72 out of 100, Strong$548.4M8.5%0.02%vs