Vitals
  • Total Assets
    38.4M 4.3 %
  • Total Deposits
    35.3M 4.7 %
  • Total Net Loans
    14.9M -21.0 %
  • Net Income
    21000.0000 31.3 %
  • Book Value
    3.1M 2.1 %
  • Book Value x2
    6.1M 2.1 %
  • Book Value x3
    9.2M 2.1 %
ROAA

.228

ROAE

2.742

Efficiency Ratio

93.437

Net Interest Margin

3.306

Balance Sheet Highlights
Financial Highlights Union State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 38,407 296,796
Total Net Loans 14,927 158,494
Total Deposits 35,304 257,665
Total Equity 3,071 30,483
Profitability
Net Income 21 779
Return on Average Assets .228 .991
Return on Average Equity 2.742 9.73
Net Interest Margin 3.306 3.721
Efficiency Ratio 93.437 69.161
Noninterest Income/Revenue 15.633 15.977
Balance Sheet Ratios
Loan-to-Deposit 42.281 58.411
Securities/Assets .053 .243
Total Equity/Total Assets .08 .103
Tangible Equity/Tangible Assets .08 .099
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 3,026 29,176
Tier 2 Capital 150 1,937
Total Capital 3,176 31,117
Total Risk Weighted Assets 18,300 177,228
Leverage Ratio 8.22 10.187
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 16.54 18.459
Total Capital Ratio 17.36 19.536

Timeline for Union State Bank

Pioneer Bank, Ssb

Union State Bank was acquired by Pioneer Bank, Ssb 10 years

View Profile May 31 2014

Union Holding Delaware, Inc.

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

View Profile Dec 31 2001

C Bar M, Inc.

C Bar M, Inc. became a new parent organization for Union State Bank.

View Profile Jan 19 1996

Carrizo Bancshares Corporation

Carrizo Bancshares Corporation became a new parent organization for Union State Bank.

View Profile Aug 06 1984

Union State Bank

Union State Bank was established 76 years ago and is currently headquartered in Kerrville, TX.

Oct 11 1947
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Pioneer Bank, Ssb Buyer 1,181,330 Acquisition Discontinued 5/31/2014
Relationships Role Relationship Start Relationship End
C Bar M, Inc. Parent 4/5/2014 5/30/2014
Union Holding Delaware, Inc. Parent 12/31/2001 4/4/2014
C Bar M, Inc. Parent 1/19/1996 12/30/2001
Carrizo Bancshares Corporation Parent 8/6/1984 10/30/1991
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