Union State Bank (FDIC #1869): Bank Stress & Real-Estate Credit Exposure
Union State Bank (FDIC Cert #1869): bank stress 63/100, elevated, STABLE over 7 days; parent DOCKING BANCSHARES INC.
Union State Bank (#1869) lends in 4 counties across 2 states; Union State Bank (#1869) reaches 88 ZIP codes: Kansas 3 counties, 76 ZIPs; Oklahoma 1 county, 12 ZIPs.
Union State Bank (#1869) largest markets: Sedgwick County, KS (104 branches, 52 ZIPs) (#1869), Cowley County, KS (105 branches, 15 ZIPs) (#1869), Harvey County, KS (26 branches, 13 ZIPs) (#1869), Washington County, OK (12 branches, 12 ZIPs) (#1869).
Union State Bank (#1869) reports $719.1 million in total assets; Union State Bank (#1869) equity $77.0 million (10.7% of Union State Bank (#1869) assets); Union State Bank (#1869) domestic deposits $633.3 million; Union State Bank (#1869) net income $4.3 million; Union State Bank (#1869) return on assets 1.27%; Union State Bank (#1869) return on equity 11.18%; Union State Bank (#1869) net interest income $13.3 million; Union State Bank (#1869) call report June 30, 2026.
Union State Bank (#1869) noncurrent real-estate loans: none reported; Union State Bank (#1869) net charge-offs on real estate 0.23%; Union State Bank (#1869) residential charge-offs 0.23%.
Union State Bank (#1869) net interest margin 4.30% against an eight-quarter Union State Bank (#1869) average of 3.94% (Union State Bank (#1869) compression -0.36 points); Union State Bank (#1869) non-residential real estate 22.7% of equity; Union State Bank (#1869) rate-exposure score 40/100, Union State Bank (#1869) fixed-rate trap 40/100; Union State Bank (#1869) risk type credit driven; Union State Bank (#1869) rate regime rates elevated, Union State Bank (#1869) snapshot October 19, 2026.
Union State Bank (#1869) stress score moved from 59.7 on June 22, 2026 to 62.8 on October 20, 2026; Union State Bank (#1869) ranged 59.7 to 62.8 over 117 snapshots.
Union State Bank (#1869) alerts: 4 counties; top Union State Bank (#1869) alert scores: Wichita County, KS 27 (low); Bartlesville County, KS 21 (low); Newton County, KS 21 (low); Winfield County, KS 21 (low).