Union State Bank (FDIC certificate #5602) is based in Pell City, Alabama. Its Q2 2026 call report shows $212.5M in total assets and $191.7M in deposits and 8 offices.
Union State Bank has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 85th. Funding & liquidity contributes the most (91/100, 51% loans-to-deposits, 23% uninsured); loan quality contributes the least (33/100, 2.00%).
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 fell 12 points (62 → 50), mostly because the loan quality component weakened by 59 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 57 |
| Q4 2024 | 59 |
| Q1 2025 | 58 |
| Q2 2025 | 62 |
| Q3 2025 | 62 |
| Q4 2025 | 67 |
| Q1 2026 | 60 |
| Q2 2026 | 50 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.72% |
| Q3 2024 | 8.45% |
| Q4 2024 | 8.30% |
| Q1 2025 | 8.47% |
| Q2 2025 | 8.52% |
| Q3 2025 | 8.83% |
| Q4 2025 | 9.46% |
| Q1 2026 | 9.55% |
| Q2 2026 | 9.61% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.22% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.23% |
| Q3 2025 | 0.25% |
| Q4 2025 | 0.38% |
| Q1 2026 | 1.04% |
| Q2 2026 | 2.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.09% |
| Q3 2024 | -0.18% |
| Q4 2024 | -0.08% |
| Q1 2025 | 0.10% |
| Q2 2025 | 0.21% |
| Q3 2025 | 0.16% |
| Q4 2025 | 0.73% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.43% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 50 | $212.5M | 9.61% | 2.00% | 0.43% | 51.2% |
| Q1 2026 | 60 | $205.4M | 9.55% | 1.04% | 0.45% | 47.2% |
| Q4 2025 | 67 | $216.4M | 9.46% | 0.38% | 0.73% | 41.1% |
| Q3 2025 | 62 | $212.2M | 8.83% | 0.25% | 0.16% | 41.0% |
| Q2 2025 | 62 | $216.0M | 8.52% | 0.23% | 0.21% | 39.2% |
| Q1 2025 | 58 | $218.3M | 8.47% | 0.61% | 0.10% | 36.7% |
| Q4 2024 | 59 | $225.9M | 8.30% | 0.22% | -0.08% | 34.5% |
| Q3 2024 | 57 | $211.9M | 8.45% | 0.48% | -0.18% | 38.6% |
| Q2 2024 | 58 | $217.0M | 8.72% | 0.51% | -0.09% | 37.0% |
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).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Cahawba BankBank Selma, AL | 74 out of 100, Strong | $205.7M | 10.8% | 0.12% | vs |
| Friend BankBank Slocomb, AL | 85 out of 100, Very strong | $221.0M | 13.5% | 0.48% | vs |
| BankSouthBank Dothan, AL | 84 out of 100, Strong | $221.5M | 19.1% | 0.02% | vs |
| Millennial BankBank Leeds, AL | 64 out of 100, Moderate | $201.3M | 8.8% | 0.00% | vs |
| PeoplesTrust BankBank Hamilton, AL | 73 out of 100, Strong | $201.2M | 11.1% | 0.45% | vs |
| Community Spirit BankBank Red Bay, AL | 77 out of 100, Strong | $228.8M | 9.7% | 0.00% | vs |
Deposit insurance
Is my money safe at Union State Bank?
Yes. Union State Bank is an FDIC-insured institution (FDIC certificate #5602). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.0% of deposits ($44.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.61%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.29% (benchmark: 10%).
8 locations
Branches
Union State Bank lists 8 offices in 7 cities. Most locations:
- Pell City, AL (2)
- Ashville, AL (1)
- Cedar Bluff, AL (1)
- Centre, AL (1)
- Cropwell, AL (1)
- Hoover, AL (1)
- Pleasant Grove, AL (1)
Identity & history
Profile
- Legal name
- Union State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 5602
- RSSD ID
- 467733
- Primary regulator
- FDIC
- Holding company
- Union Bancshares Inc
- Established
- January 1, 1903
- Headquarters
- 15 20th St N, Pell City, AL 35125
- Website
- www.unionstate.net
- Employees
- 64
Quick answers
Union State Bank: common questions
Is Union State Bank FDIC insured?
Yes. Union State Bank is an FDIC-insured institution (FDIC certificate #5602). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Union State Bank's TellerScore?
50 out of 100 (Below average), 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 #5602 in the FDIC failed bank list.
How many branches does Union State Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pell City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE | 98 out of 100, Very strong | $34.8M | 25.2% | 0.00% | vs |
| Aod Federal Credit UnionCredit union Bynum, AL | 89 out of 100, Very strong | $466.7M | 16.4% | 0.53% | vs |
| Coosa Pines Federal Credit UnionCredit union Childersburg, AL | 88 out of 100, Very strong | $420.8M | 16.2% | 0.87% | vs |
| Chem Family Credit UnionCredit union Anniston, AL | 88 out of 100, Very strong | $4.1M | 28.1% | 0.00% | vs |
| Sycamore Federal Credit UnionCredit union Sycamore, AL | 87 out of 100, Very strong | $77.1M | 16.4% | 0.89% | vs |
| Railroad Credit UnionCredit union Irondale, AL | 87 out of 100, Very strong | $100.6M | 14.4% | 0.07% | vs |