Vitals
  • Total Assets
    466.6M 0.1 %
  • Total Deposits
    414.5M 1.1 %
  • Total Net Loans
    217.4M 14.2 %
  • Net Income
    3.4M -2.7 %
  • Book Value
    39.1M -8.9 %
  • Book Value x2
    78.2M -8.9 %
  • Book Value x3
    117.3M -8.9 %
ROAA

.723

ROAE

7.711

Efficiency Ratio

76.983

Net Interest Margin

3.007

Balance Sheet Highlights
Financial Highlights Union State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 466,551 358,087
Total Net Loans 217,416 213,533
Total Deposits 414,506 308,027
Total Equity 39,104 38,740
Profitability
Net Income 3,397 3,845
Return on Average Assets .723 1.025
Return on Average Equity 7.711 9.415
Net Interest Margin 3.007 3.773
Efficiency Ratio 76.983 66.762
Noninterest Income/Revenue 13.653 16.375
Balance Sheet Ratios
Loan-to-Deposit 52.452 65.494
Securities/Assets .456 .214
Total Equity/Total Assets .084 .108
Tangible Equity/Tangible Assets .084 .104
Capital Adequacy
Tier 1 Common Capital 45,722 37,278
Tier 1 Capital 45,722 37,303
Tier 2 Capital 3,281 2,526
Total Capital 49,003 39,866
Total Risk Weighted Assets 270,323 237,367
Leverage Ratio 9.62 10.563
Common Equity Tier 1 Capital Ratio 16.91 18.073
Tier 1 Capital Ratio 16.91 18.097
Total Capital Ratio 18.13 19.169

Timeline for Union State Bank

Union State Holding Company

Union State Holding Company became a new parent organization for Union State Bank.

View Profile Jun 28 2002

Union Insurance Agency

Union Insurance Agency became a new subsidiary organization for Union State Bank.

View Profile Nov 01 1998

Union State Bancshares, Inc.

Union State Bancshares, Inc. became a new parent organization for Union State Bank.

View Profile Mar 23 1994

Union State Bank

Union State Bank was established 96 years ago and is currently headquartered in Florence, TX.

Feb 28 1928
Relationships Role Relationship Start Relationship End
Union State Holding Company Parent 6/28/2002
Union State Bancshares, Inc. Parent 3/23/1994 6/27/2002
Union Insurance Agency Subsidary 6/30/2007
Union Insurance Agency Subsidary 11/1/1998 6/29/2007
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