# UNION STATE BANK
CLAY CENTER, KS · FDIC certificate 15908 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $206.2M | |
| Deposits | $175.2M | |
| Loans and leases | $115.6M | |
| Total equity | $17.4M | |
| Loans / deposits | 65.13% (p38 of band) | 73.59% |
| Liquid assets / assets | 41.96% (p67 of band) | |
| Uninsured deposits / deposits | 34.48% (p88 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.34% (p77 of band) | |
| FHLB advances / assets | 3.15% | |
| Tier 1 leverage | 10.29% (p29 of band) | 11.76% |
| Unrealized securities loss / equity | -33.07% (p12 of band) | -6.57% |
| AOCI / equity | -0.95% (p29 of band) | |
| ROA (annualized) | 0.87% (p33 of band) | 1.17% |
| Net interest margin | 3.28% (p21 of band) | 3.93% |
| Efficiency ratio | 63.77% (p44 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p13 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 71% | |
| Construction % of loans | 7.21% (p33 of band) | |
| Auto loans | $2.9M (2.51% of loans; DQ 0.31%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2013-03 | 2 |  | uninsured deposits leaving, noncurrent p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 | AOCI drag >20% of equity | reserve under noncurrent |
| 2014-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2015-03 | 4 | assets shrinking |  |
| 2015-06 | 2 |  | uninsured deposits leaving, assets shrinking |
| 2015-09 | 1 |  | deposits shrinking |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 3 | NIM <2.5% |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | capital falling | NIM <2.5% |
| 2017-06 | 4 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2017-09 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2017-12 | 1 |  | uninsured deposits leaving |
| 2018-03 | 3 | charge-offs p90, uninsured deposits leaving |  |
| 2018-06 | 2 |  | uninsured deposits leaving |
| 2018-09 | 3 | brokered >10% |  |
| 2018-12 | 2 |  | brokered >10% |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 2 | deposits shrinking |  |
| 2020-03 | 3 | uninsured deposits leaving |  |
| 2020-06 | 2 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | capital falling, NIM <2.5% |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 | capital falling, NIM <2.5% |
| 2022-09 | 2 |  | wholesale funding >15%, charge-offs p90 |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 4 | wholesale funding >15%, deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 2 |  | assets shrinking, deposits shrinking |
| 2023-09 | 3 | deposits shrinking |  |
| 2023-12 | 1 |  | wholesale funding >15%, deposits shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-01 [Union State Bank buys Wichita office building with eye on growth, talent recruitment - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPLVVrX0FVQmtob1JBZERLek1RVjNteTg2Z3lrSExwbUNmWF9SSDRvS2Z6ZUdfRWExMkQzak83aXUwaWtkZlFoaTF3TU5yeGlOWHFkQklmSUh6SnI1aDFvMUhBVG1vZXlUWk1yMUpIVGRnZnVLd0ZESDRRekRya1dZNTlic3NQdnp1NHBzbmk3dkRVdjlIY2lDdlM1U2dibm1TdnJzMXc4TQ?oc=5) · The Business Journals
- 2026-06-22 [Union State Bank, Uniontown, Presents Independence Day Bash July 3 - Fort Scott Biz](https://news.google.com/rss/articles/CBMilgFBVV95cUxOblRPRGFPb21YNGVyWndPZ0ZQTk81elQ0OFFla2c0d1F2cXRXSHFNT0ZxX1dDVWRjejFIdWw1eTdoSWhSRkVTb3V6bFY2OU5nLXB6SGNmQThBdC14cTU2YV9ORGhZRm1YMEp3RS1NcTA2WmlJNGdjTGR2VVo2UG1SRUFvVnA5WFVVaGhfcnhNSWJqZ3FwT3fSAZsBQVVfeXFMTXNmQXVqM3hlWHdFa2NUQ0MzWlFBb0dCYjE5U05Ca0RoWjZhMkZaTmNYdGNzbjBXUXBiTVBVSkpxcXhtMUhkN2lHcDNLU1ZtcGlldEVRd291ZUJFbEdMNEFsdjlBWnBFUXJuaDlSd09rSHBvbXBLVFJTbjViOXIzRE5DZmpsWVBxZjVjeWkwU19wV3BKT05aT3MtVlU?oc=5) · Fort Scott Biz
- 2026-07-15 [Union State Bank BizSpotlight - The Business Journals](https://news.google.com/rss/articles/CBMihgFBVV95cUxNRFdHTkpGazlxUFI4MUVqZjRsdURVbzlDUTZVRGYwMFRVck9zenlWV2t6WkNrcWFlczRuMHFLYlNISjVVcnBIa2xhVDlvUXhGYWp5MzM4Z0xfYXFzelVGeE1hN3dpbXFyaFNhRDIwM2EzbkFaWDdhUzdjb2NjMUh3eVhQMEE2Zw?oc=5) · The Business Journals
- 2022-09-28 [Brandon Lee, President/CEO of Union State Bank Makes a Statement Regarding Scam Calls - KCLY Radio](https://news.google.com/rss/articles/CBMisgFBVV95cUxQakZRMEo3b2NJemNReHlOc1ZUeUVXNHRHMHNUY1dvbG4yN2NkTzB6OFk1QzdHT0JOMXhabjFCc1Ixb09SZlI1RnA5UFlxZ0VlbGRMakE0Zjh2RHVFSGlfQ1hCTG5NZ2pDbGdYenNJWXU1TThnb2FFdVBmN2hKVzc2ZVdsMXFfbGNVWXBwYXRBXzExeHdZM00zbEZUZ2NPemZONmhsandOMXhtOWw0R2F4eERB?oc=5) · KCLY Radio
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Kansas - Newsweek Rankings](https://news.google.com/rss/articles/CBMijAFBVV95cUxNUi1lQklMRTNxZVFSdTViLWs1d3JzamdnWjRjNGpoRjNZZzI3YzZ5UndMQ3hoeWloUnNyaU9neFNBbldvVUd0RDFmQTVOOTVBTnFweWVVZjQydnlvSFZ4b0RPX1cyaFNkRzRXVWs0LWllbVg4QlhXS3hVZVhzZHdGOE8zeGFtUnM1dFo0LQ?oc=5) · Newsweek Rankings
- 2019-10-22 [Midland National Bank to merge - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQb0ktSkFOWUk5cURQU0x6TGlWZTVLbHNSeEo3REdjR3E0ajVoYmwyWW56VXRrNXIxTE5UOVNGcXFvWHFOLUFWdGJCUXgyZHJDUW5SaEJKM1E0THdRN0VxNF9pV2h0OXF1TGI1MnpQanhwMm1MWmlMbktaZVNnbjE3UWZzd2o5blUzVWc5UHBWWlJzYWNDRzN2V2Q5Q1Q0RnpSYmV0cGF5cXFocHhTNnZWVjFrM0hOUEZB?oc=5) · The Topeka Capital-Journal
- 2023-10-06 [Amery’s biggest crime to date: 90 years since the robbing of Union State Bank - Amery Free Press](https://news.google.com/rss/articles/CBMi-AFBVV95cUxPR3hpc3JyMmNTNXk2NUpKTzBRYmZTZ3ZVQ3h2aHh0X3hkOVRKTHc5d2o2dDZoWms1Y2l5a1ZTcmlRWFMxVG91LVBDTkJEQk9fSDZSV19mWUwtYU44MXhtSktpZVJLZU1KNGFzbXdZZDA5RFdmSWUwa3NNeURtZUhGek92T0l4N19NTEtFZWF0U2xWWlRjU2hWVy1LRXdwYm5MVGNzWjBLdU9KWmRXYklReF83aWNuR3VRVTBVZjJMVi1YM0tNLVdmcUFMRVFLbDdTOWU5MWc4Y2Q2SzEteGJ1N0RzTzNNVUJLWF9VZkJHclQ0NU9HcnRVbQ?oc=5) · Amery Free Press
- 2021-05-10 [Union State Bank a Mainstay and Family Business for 120 Years - Fort Scott Biz](https://news.google.com/rss/articles/CBMikgFBVV95cUxOUDdmeHJpUWVYbFNpdTBsRUJvMFVYcjJQVG1xamVIQUk4em5jdC1lT2xYZTdULTBudXh1TkJZRkJQN1dsYjJFRktYcl9BRy13VWtielVNUVhNUV82M05zSk9TVmVjUVhrZE55dnlSQ21RNG9NT1BSc0t2TGgwWW5VUE8tTFZxYncxaWhrS0FkSWViZ9IBlwFBVV95cUxOWHhPMktjcF9sRXNvdFFzUkVrYjNlSXVWWktXUkhvWVhScmpGbHF6Sl9XVWlXWkxaT3E1RTkweGtPOGtsNjV6cU93Zm40aXNZUXY2VktZWnFnQzlYVG0wM1Z5RFZoVlVwUk9Ga0dNSUZwY2liLVUzYTBlc3RzeWM1SnRiRkQ3d05nRV9jbXhwVElxM0d1TXNV?oc=5) · Fort Scott Biz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15908 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "15908", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide