Union State Bank Of Everest (FDIC #18610): Bank Stress & Real-Estate Credit Exposure

Union State Bank Of Everest (FDIC Cert #18610): bank stress 58/100, moderate, STABLE over 7 days; parent EVEREST BANCSHARES INC.

Union State Bank Of Everest (#18610) lends in 5 counties across 2 states; Union State Bank Of Everest (#18610) reaches 62 ZIP codes: Kansas 3 counties, 31 ZIPs; Missouri 2 counties, 31 ZIPs.

Union State Bank Of Everest (#18610) largest markets: Clay County, MO (23 branches, 23 ZIPs) (#18610), Jefferson County, KS (30 branches, 15 ZIPs) (#18610), Brown County, KS (39 branches, 13 ZIPs) (#18610), Clinton County, MO (22 branches, 11 ZIPs) (#18610), Atchison County, KS (10 branches, 10 ZIPs) (#18610).

Union State Bank Of Everest (#18610) reports $427.3 million in total assets; Union State Bank Of Everest (#18610) equity $43.2 million (10.1% of Union State Bank Of Everest (#18610) assets); Union State Bank Of Everest (#18610) domestic deposits $382.0 million; Union State Bank Of Everest (#18610) net income $3.5 million; Union State Bank Of Everest (#18610) return on assets 1.62%; Union State Bank Of Everest (#18610) return on equity 16.66%; Union State Bank Of Everest (#18610) net interest income $9.1 million; Union State Bank Of Everest (#18610) call report June 30, 2026.

Union State Bank Of Everest (#18610) noncurrent real-estate loans: none reported; Union State Bank Of Everest (#18610) net charge-offs on real estate 1.30%; Union State Bank Of Everest (#18610) residential charge-offs 0.22%.

Union State Bank Of Everest (#18610) net interest margin 4.46% against an eight-quarter Union State Bank Of Everest (#18610) average of 4.04% (Union State Bank Of Everest (#18610) compression -0.42 points); Union State Bank Of Everest (#18610) non-residential real estate 21.7% of equity; Union State Bank Of Everest (#18610) rate-exposure score 40/100, Union State Bank Of Everest (#18610) fixed-rate trap 40/100; Union State Bank Of Everest (#18610) risk type credit driven; Union State Bank Of Everest (#18610) rate regime rates elevated, Union State Bank Of Everest (#18610) snapshot October 20, 2026.

Union State Bank Of Everest (#18610) stress score moved from 59.9 on June 22, 2026 to 57.8 on October 20, 2026; Union State Bank Of Everest (#18610) ranged 57.8 to 59.9 over 117 snapshots.

Union State Bank Of Everest (#18610) alerts: 5 counties; top Union State Bank Of Everest (#18610) alert scores: Atchison County, KS 32 (low); Horton County, KS 20 (low); Kansas City County, KS 20 (low); Oskaloosa County, KS 20 (low); Plattsburg County, KS 20 (low).