Union State Bank (FDIC #5602): Bank Stress & Real-Estate Credit Exposure

Union State Bank (FDIC Cert #5602): bank stress 93/100, severe, STABLE over 7 days; parent UNION BANCSHARES INC.

Union State Bank (#5602) lends in 3 counties across 1 state; Union State Bank (#5602) reaches 90 ZIP codes: Alabama 3 counties, 90 ZIPs.

Union State Bank (#5602) largest markets: Jefferson County, AL (128 branches, 64 ZIPs) (#5602), St. Clair County, AL (72 branches, 18 ZIPs) (#5602), Cherokee County, AL (22 branches, 11 ZIPs) (#5602).

Union State Bank (#5602) reports $212.5 million in total assets; Union State Bank (#5602) equity $11.8 million (5.6% of Union State Bank (#5602) assets); Union State Bank (#5602) domestic deposits $191.7 million; Union State Bank (#5602) net income $451,000; Union State Bank (#5602) return on assets 0.43%; Union State Bank (#5602) return on equity 8.00%; Union State Bank (#5602) net interest income $3.4 million; Union State Bank (#5602) call report June 30, 2026.

Union State Bank (#5602) noncurrent real-estate loans: none reported; Union State Bank (#5602) net charge-offs on real estate 1.93%; Union State Bank (#5602) residential charge-offs 0.44%.

Union State Bank (#5602) net interest margin 3.59% against an eight-quarter Union State Bank (#5602) average of 3.08% (Union State Bank (#5602) compression -0.51 points); Union State Bank (#5602) non-residential real estate 44.4% of equity; Union State Bank (#5602) rate-exposure score 40/100, Union State Bank (#5602) fixed-rate trap 40/100; Union State Bank (#5602) risk type credit driven; Union State Bank (#5602) rate regime rates elevated, Union State Bank (#5602) snapshot October 19, 2026.

Union State Bank (#5602) stress score moved from 91.1 on June 22, 2026 to 92.7 on October 20, 2026; Union State Bank (#5602) ranged 91.1 to 92.7 over 117 snapshots.

Union State Bank (#5602) alerts: 3 counties; top Union State Bank (#5602) alert scores: Centre County, AL 30 (low); Pell City County, AL 30 (low); Pleasant Grove County, AL 30 (low).