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Union State Bank

West Salem, WI
IDRSSD: 903754
Total Assets
$114.32M
Latest filing
Total Deposits
$93.73M
Latest filing
Net Interest Margin
3.58%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date08/25/1903
Community BankYes
Ownership TypeNot Mutual
ZIP54669
State and County Number55063
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number09
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameLa Crosse-Onalaska, WI-MN

Operational Info

Number of Employees17
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.usbwestsalem.com
Data Updated11/14/2025
CERT14560
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$114.32M
Total Deposits$93.73M
Total Liabilities$103.23M
Total Equity Capital$11.09M
Net Income$241.00k
Net Loans and Leases$72.83M
Assets Per Employee ($Millions)$7.15M
Bank Premises and Fixed Assets$1.36M
Cash and Balances due from Depository Institutions$6.27M
Deposits Held in Domestic Offices$93.73M

Key Performance Ratios

Return on Assets (ROA)0.85%
Return on Equity (ROE)8.99%
Net Interest Margin3.58%
Efficiency Ratio59.85%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.44%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.697%
Earning Assets to total Assets93.34%

Income and Expense

Total Interest Income$1.50M
Total Noninterest Income$105.00k
Total Interest Expense$546.00k
Total Noninterest Expense$632.00k
Net Interest Income$951.00k
Pre-tax Net Operating Income$298.00k
Provision for Credit Losses$126.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$9.00M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$505.00k
Total Liabilities and Capital$114.32M

Securities

Securities$30.47M
Available-for-sale debt securities$30.20M
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 State Bank?
$114.32M as of the latest filing.
How much are Union State Bank's total deposits?
$93.73M in total deposits.
Where is Union State Bank located?
West Salem, WI.
What is the Net Interest Margin?
3.58%.
How many domestic offices does it operate?
2.
When was it established?
08/25/1903.
What is the Return on Assets (ROA)?
0.85%.
How much are total loans and leases?
$72.83M (latest filing).
What is the total interest income (latest filing)?
$1.50M.