Union Savings Bank (FDIC #29121): Bank Stress & Real-Estate Credit Exposure
Union Savings Bank (FDIC Cert #29121): bank stress 92/100, severe, STABLE over 7 days; parent UNION BANCSHARES MHC.
Union Savings Bank (#29121) lends in 3 counties across 1 state; Union Savings Bank (#29121) reaches 56 ZIP codes: Illinois 3 counties, 56 ZIPs.
Union Savings Bank (#29121) largest markets: Ogle County, IL (27 branches, 27 ZIPs) (#29121), Stephenson County, IL (38 branches, 19 ZIPs) (#29121), Boone County, IL (15 branches, 15 ZIPs) (#29121).
Union Savings Bank (#29121) reports $182.0 million in total assets; Union Savings Bank (#29121) equity $14.4 million (7.9% of Union Savings Bank (#29121) assets); Union Savings Bank (#29121) domestic deposits $166.1 million; Union Savings Bank (#29121) net income $281,000; Union Savings Bank (#29121) return on assets 0.31%; Union Savings Bank (#29121) return on equity 3.95%; Union Savings Bank (#29121) net interest income $3.2 million; Union Savings Bank (#29121) call report June 30, 2026.
Union Savings Bank (#29121) noncurrent real-estate loans 0.05% of its book; Union Savings Bank (#29121) net charge-offs on real estate 0.30%.
Union Savings Bank (#29121) net interest margin 3.70% against an eight-quarter Union Savings Bank (#29121) average of 3.12% (Union Savings Bank (#29121) compression -0.58 points); Union Savings Bank (#29121) real-estate loans 5.2% of equity; Union Savings Bank (#29121) rate-exposure score 40/100, Union Savings Bank (#29121) fixed-rate trap 40/100; Union Savings Bank (#29121) risk type credit driven; Union Savings Bank (#29121) rate regime rates elevated, Union Savings Bank (#29121) snapshot October 19, 2026.
Union Savings Bank (#29121) stress score moved from 89 on June 22, 2026 to 91.6 on October 19, 2026; Union Savings Bank (#29121) ranged 89 to 91.6 over 116 snapshots.
Union Savings Bank (#29121) alerts: 3 counties; top Union Savings Bank (#29121) alert scores: Belvidere County, IL 30 (low); Freeport County, IL 30 (low); Mount Morris County, IL 30 (low).