Union State Bank
Pell City, AL
IDRSSD: 467733
Total Assets
$212.15M
Latest filing
Total Deposits
$201.97M
Latest filing
Net Interest Margin
3.26%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Union State Bank
15 20th St N
Pell City, AL 35125
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1903FDIC Certificate 3815
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Union State Bank (Main) | 15 20th St N | Pell City, AL |
| CEDAR BLUFF MAIN BRANCH | 3460 Old Highway 9 | Cedar Bluff, AL |
| PLAZA BRANCH | 509 Main Street | Pell City, AL |
| CROPWELL BRANCH | 2408 Mays Drive | Cropwell, AL |
| CENTRE BRANCH | 796 Cedar Bluff Rd | Centre, AL |
| PLEASANT GROVE BRANCH | 829 Park Rd | Pleasant Grove, AL |
| HOOVER BRANCH | 3437 Lorna Rd | Hoover, AL |
| ASHVILLE BRANCH | 32 Court St E | Ashville, AL |
Showing 7 of 7
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 | 01/01/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35125 |
| State and County Number | 01115 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Birmingham-Hoover, AL |
Operational Info
| Number of Employees | 64 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.unionstate.net |
| Data Updated | 11/14/2025 |
| CERT | 5602 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $212.15M |
| Total Deposits | $201.97M |
| Total Liabilities | $203.10M |
| Total Equity Capital | $9.05M |
| Net Income | $35.00k |
| Net Loans and Leases | $82.71M |
| Assets Per Employee ($Millions) | $3.42M |
| Bank Premises and Fixed Assets | $2.38M |
| Cash and Balances due from Depository Institutions | $26.25M |
| Deposits Held in Domestic Offices | $201.97M |
Key Performance Ratios
| Return on Assets (ROA) | 0.07% |
| Return on Equity (ROE) | 1.65% |
| Net Interest Margin | 3.26% |
| Efficiency Ratio | 98.21% |
| Tier 1 Risk-Based Capital Ratio | 13.845% |
| 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 | 4.266% |
| Earning Assets to total Assets | 88.83% |
Income and Expense
| Total Interest Income | $2.10M |
| Total Noninterest Income | $410.00k |
| Total Interest Expense | $554.00k |
| Total Noninterest Expense | $1.93M |
| Net Interest Income | $1.55M |
| Pre-tax Net Operating Income | $35.00k |
| 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 | $217.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $10.69M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.14M |
| Total Liabilities and Capital | $212.15M |
Securities
| Securities | $70.92M |
| Available-for-sale debt securities | $29.92M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $41.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Union State Bank?
$212.15M as of the latest filing.
How much are Union State Bank's total deposits?
$201.97M in total deposits.
Where is Union State Bank located?
Pell City, AL.
What is the Net Interest Margin?
3.26%.
How many domestic offices does it operate?
8.
When was it established?
01/01/1903.
What is the Return on Assets (ROA)?
0.07%.
How much are total loans and leases?
$82.71M (latest filing).
What is the total interest income (latest filing)?
$2.10M.