Union Savings Bank
Cincinnati, OH
IDRSSD: 911973
Total Assets
$4.04B
Latest filing
Total Deposits
$3.48B
Latest filing
Net Interest Margin
2.89%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Union Savings Bank
8805 Governors Hill Dr
Cincinnati, OH 45249
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/01/1904FDIC Certificate 45130
Branches (38)
Page 1 of 6| Name | Address | City / State |
|---|---|---|
| Union Savings Bank (Main) | 8805 Governors Hill Dr | Cincinnati, OH |
| 6701 HAMILTON AVE BRANCH | 6701 Hamilton Ave | Cincinnati, OH |
| LOVELAND BRANCH | 510 W Loveland Ave | Loveland, OH |
| REYNOLDSBURG BRANCH | 1320 Brice Rd | Reynoldsburg, OH |
| GREEN TOWNSHIP BRANCH | 6393 Glenway Ave. | Western Hills, OH |
| KETTERING BRANCH | 3030 Woodman Dr | Kettering, OH |
| PLAINFIELD ROAD BRANCH | 8320 Plainfield Rd | Cincinnati, OH |
| WASHINGTON TOWNSHIP BRANCH | 5651 Far Hills Ave | Dayton, OH |
Showing 7 of 38
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 | N/A |
| Primary Regulator | FDIC |
| Established Date | 03/01/1904 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 45249 |
| State and County Number | 39061 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 35 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Cincinnati, OH-KY-IN |
Operational Info
| Number of Employees | 503 |
| Domestic Offices | 39 |
| 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.unionsavings-bank.com |
| Data Updated | 01/30/2026 |
| CERT | 32296 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.04B |
| Total Deposits | $3.48B |
| Total Liabilities | $3.63B |
| Total Equity Capital | $409.50M |
| Net Income | $15.54M |
| Net Loans and Leases | $3.54B |
| Assets Per Employee ($Millions) | $8.22M |
| Bank Premises and Fixed Assets | $66.94M |
| Cash and Balances due from Depository Institutions | $245.75M |
| Deposits Held in Domestic Offices | $3.48B |
Key Performance Ratios
| Return on Assets (ROA) | 1.53% |
| Return on Equity (ROE) | 15.14% |
| Net Interest Margin | 2.89% |
| Efficiency Ratio | 60.68% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| 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 | 10.125% |
| Earning Assets to total Assets | 92.93% |
Income and Expense
| Total Interest Income | $56.72M |
| Total Noninterest Income | $12.18M |
| Total Interest Expense | $29.46M |
| Total Noninterest Expense | $23.93M |
| Net Interest Income | $27.26M |
| Pre-tax Net Operating Income | $15.50M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $269.00k |
| Other borrowed funds | $95.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.59M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $55.21M |
| Total Liabilities and Capital | $4.04B |
Securities
| Securities | $8.00M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$4.04B as of the latest filing.
How much are Union Savings Bank's total deposits?
$3.48B in total deposits.
Where is Union Savings Bank located?
Cincinnati, OH.
What is the Net Interest Margin?
2.89%.
How many domestic offices does it operate?
39.
When was it established?
03/01/1904.
What is the Return on Assets (ROA)?
1.53%.
How much are total loans and leases?
$3.54B (latest filing).
What is the total interest income (latest filing)?
$56.72M.