Union Savings Bank (FDIC #32296): Bank Stress & Real-Estate Credit Exposure

Union Savings Bank (FDIC Cert #32296): bank stress 50/100, moderate, STABLE over 7 days.

Union Savings Bank (#32296) lends in 18 counties across 3 states; Union Savings Bank (#32296) reaches 547 ZIP codes: Ohio 12 counties, 312 ZIPs; Indiana 5 counties, 116 ZIPs; Pennsylvania 1 county, 119 ZIPs.

Union Savings Bank (#32296) largest markets: Allegheny County, PA (238 branches, 119 ZIPs) (#32296), Hamilton County, OH (522 branches, 58 ZIPs) (#32296), Cuyahoga County, OH (104 branches, 52 ZIPs) (#32296), Franklin County, OH (300 branches, 50 ZIPs) (#32296), Montgomery County, OH (168 branches, 42 ZIPs) (#32296), Marion County, IN (41 branches, 41 ZIPs) (#32296).

Union Savings Bank (#32296) reports $4.02 billion in total assets; Union Savings Bank (#32296) equity $408.8 million (10.2% of Union Savings Bank (#32296) assets); Union Savings Bank (#32296) domestic deposits $3.53 billion; Union Savings Bank (#32296) net income $40.5 million; Union Savings Bank (#32296) return on assets 2.01%; Union Savings Bank (#32296) return on equity 19.84%; Union Savings Bank (#32296) net interest income $55.1 million; Union Savings Bank (#32296) call report June 30, 2026.

Union Savings Bank (#32296) noncurrent real-estate loans: none reported; Union Savings Bank (#32296) multifamily -0.05%; Union Savings Bank (#32296) residential -0.05%; Union Savings Bank (#32296) net charge-offs on real estate 0.71%.

Union Savings Bank (#32296) net interest margin 2.94% against an eight-quarter Union Savings Bank (#32296) average of 2.49% (Union Savings Bank (#32296) compression -0.44 points); Union Savings Bank (#32296) rate-exposure score 40/100, Union Savings Bank (#32296) fixed-rate trap 40/100; Union Savings Bank (#32296) risk type credit driven; Union Savings Bank (#32296) rate regime rates elevated, Union Savings Bank (#32296) snapshot October 19, 2026.

Union Savings Bank (#32296) stress score moved from 44.2 on June 22, 2026 to 49.7 on October 19, 2026; Union Savings Bank (#32296) ranged 44.2 to 49.7 over 116 snapshots.

Union Savings Bank (#32296) alerts: 18 counties; top Union Savings Bank (#32296) alert scores: Franklin County, OH 35 (low); Bloomington County, OH 19 (low); Chillicothe County, OH 19 (low); Cincinnati County, OH 19 (low); Columbus County, OH 19 (low).