Union State Bank
Winterset, IA
IDRSSD: 148340
Total Assets
$135.73M
Latest filing
Total Deposits
$124.90M
Latest filing
Net Interest Margin
3.91%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
073903150WINTERSET, IA
Key People
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Locations
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Main Office
Union State Bank
611 W Highway 92
Winterset, IA 50273
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/02/1935FDIC Certificate 9387
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Union State Bank (Main) | 611 W Highway 92 | Winterset, IA |
| TRURO BRANCH | 160 E Garfield St | Truro, IA |
| WEST DES MOINES BRANCH | 6305 Mills Civic Pkwy | West Des Moines, IA |
Showing 2 of 2
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 | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/02/1935 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50273 |
| State and County Number | 19121 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Des Moines-West Des Moines, IA |
Operational Info
| Number of Employees | 22 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/11/1935 |
| Primary Insurance Agency | DIF |
| Website | www.usbiowa.com |
| Data Updated | 01/30/2026 |
| CERT | 14982 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $135.73M |
| Total Deposits | $124.90M |
| Total Liabilities | $125.84M |
| Total Equity Capital | $9.89M |
| Net Income | $290.00k |
| Net Loans and Leases | $85.02M |
| Assets Per Employee ($Millions) | $7.14M |
| Bank Premises and Fixed Assets | $1.87M |
| Cash and Balances due from Depository Institutions | $26.37M |
| Deposits Held in Domestic Offices | $124.90M |
Key Performance Ratios
| Return on Assets (ROA) | 0.88% |
| Return on Equity (ROE) | 11.93% |
| Net Interest Margin | 3.91% |
| Efficiency Ratio | 77.69% |
| Tier 1 Risk-Based Capital Ratio | 12.331% |
| 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 | 7.289% |
| Earning Assets to total Assets | 94.11% |
Income and Expense
| Total Interest Income | $1.70M |
| Total Noninterest Income | $136.00k |
| Total Interest Expense | $499.00k |
| Total Noninterest Expense | $1.04M |
| Net Interest Income | $1.20M |
| Pre-tax Net Operating Income | $299.00k |
| 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 | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $939.00k |
| Total Liabilities and Capital | $135.73M |
Securities
| Securities | $18.62M |
| Available-for-sale debt securities | $18.59M |
| 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 State Bank?
$135.73M as of the latest filing.
How much are Union State Bank's total deposits?
$124.90M in total deposits.
Where is Union State Bank located?
Winterset, IA.
What is the Net Interest Margin?
3.91%.
How many domestic offices does it operate?
3.
When was it established?
01/02/1935.
What is the Return on Assets (ROA)?
0.88%.
How much are total loans and leases?
$85.02M (latest filing).
What is the total interest income (latest filing)?
$1.70M.