Union State Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Union State Bank (FDIC Cert #5602) at 93/100 for bank stress — a severe level of financial pressure. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

At the county level, Union State Bank finances markets like Jefferson County, AL, St. Clair County, AL, Cherokee County, AL — the specific places where its credit posture translates into local lending capacity. Because Union State Bank is held under Union Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked. Union State Bank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 90 ZIP codes. The deepest footprints are Alabama (3 counties). Union State Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Rather than a standalone rating, the severe score is tied to real markets — every one of the 90 ZIP codes Union State Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. The Union State Bank score updates as fresh FDIC call reports post each quarter, so its 93/100 reading and 3-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Union State Bank is directly comparable to any lender in the country. The combination of a severe reading and a compact footprint is what makes Union State Bank worth watching as a supply signal. The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it.

The acquisition angle is simple — lending capacity is what moves deals. As Union State Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.