Union Savings Bank
Freeport, IL
IDRSSD: 817477
Total Assets
$178.61M
Latest filing
Total Deposits
$163.06M
Latest filing
Net Interest Margin
3.32%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Union Savings Bank
223 W Stephenson St
Freeport, IL 61032
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1883FDIC Certificate 41955
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Union Savings Bank (Main) | 223 W Stephenson St | Freeport, IL |
| 1320 NORTH STATE STREET BRANCH | 1320 N State St | Belvidere, IL |
| 715 W SOUTH ST BRANCH | 715 W South St | Freeport, IL |
| MOUNT MORRIS BRANCH | 1 W Hitt St | Mount Morris, IL |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1883 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 61032 |
| State and County Number | 17177 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Freeport, IL |
Operational Info
| Number of Employees | 52 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.unionsavingsbank.com |
| Data Updated | 11/14/2025 |
| CERT | 29121 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $178.61M |
| Total Deposits | $163.06M |
| Total Liabilities | $164.98M |
| Total Equity Capital | $13.63M |
| Net Income | $140.00k |
| Net Loans and Leases | $112.31M |
| Assets Per Employee ($Millions) | $4.06M |
| Bank Premises and Fixed Assets | $3.99M |
| Cash and Balances due from Depository Institutions | $6.33M |
| Deposits Held in Domestic Offices | $163.06M |
Key Performance Ratios
| Return on Assets (ROA) | 0.31% |
| Return on Equity (ROE) | 4.19% |
| Net Interest Margin | 3.32% |
| Efficiency Ratio | 90.55% |
| Tier 1 Risk-Based Capital Ratio | 15.504% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.631% |
| Earning Assets to total Assets | 95% |
Income and Expense
| Total Interest Income | $1.93M |
| Total Noninterest Income | $557.00k |
| Total Interest Expense | $500.00k |
| Total Noninterest Expense | $1.80M |
| Net Interest Income | $1.43M |
| Pre-tax Net Operating Income | $188.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $29.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.52M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.92M |
| Total Liabilities and Capital | $178.61M |
Securities
| Securities | $49.74M |
| Available-for-sale debt securities | $49.74M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Union Savings Bank?
$178.61M as of the latest filing.
How much are Union Savings Bank's total deposits?
$163.06M in total deposits.
Where is Union Savings Bank located?
Freeport, IL.
What is the Net Interest Margin?
3.32%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1883.
What is the Return on Assets (ROA)?
0.31%.
How much are total loans and leases?
$112.31M (latest filing).
What is the total interest income (latest filing)?
$1.93M.