Union State Bank
Clay Center, Kansas, Clay County
$206M in total assets, the 2,979th largest of 4,309 US banks and 92nd of 185 headquartered in Kansas.
- FDIC certificate
- 15908
- Established
- 1901
- Owned by
- Union State Banc Holding Corp
- Primary regulator
- FED
- Website
- www.usbcc.com
At a glance
Compared with 116 banks headquartered in Kansas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $206M | 39% | $263M | |
| Loans | $116M | 32% | $173M | |
| Deposits | $175M | 40% | $217M | |
| Return on assets | 0.87% | 12% | 1.41% | |
| Net interest margin | 3.28% | 10% | 3.98% | |
| Efficiency ratio | 63.8% | 73% | 58.4% | |
| Equity to assets | 8.42% | 22% | 10.25% | |
| Loans to deposits | 66% | 26% | 78% |
Growth
Total assets grew 4.9% a year over the last 5 years and 3.6% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2021 | Bank of Palmer Palmer, KS | $52M |
Where they operate
4 branches in 2 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Clay County, KS | $127M | 41.3% | 1 of 5 |
| Washington County, KS | $48M | 14.3% | 4 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (2 to 4, +100.0%). 0 opened, 2 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 2 | |||
| 2021 | Acquired Bank of Palmer | 2 | 0 | +2 | 4 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 31% | 27% | |
| Farmland | 24% | 17% | |
| Commercial real estate | 14% | 17% | |
| Agricultural | 12% | 14% | |
| Business (C&I) | 9% | 11% | |
| Consumer | 5% | 4% | |
| Construction and land | 1% | 5% | |
| Multifamily | 1% | 2% | |
| Other | 4% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 58% | 46% | |
| Time deposits | 26% | 34% | |
| Noninterest-bearing | 15% | 21% |
Brokered deposits are 0.0% of deposits (peers 3.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.00% | 0.24% |
| Net charge-offs, annualized | -0.01% | 0.00% |
| Reserves to loans | 1.29% | 1.27% |
| Leverage ratio | 10.29% | 10.57% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Clay County, KS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/union-state-bank-clay-center-ks