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8534 East Kemper Road
Cincinnati, OH 45249

Union Savings Bank (OH) is headquartered in Cincinnati and is the 11st largest bank in the state of Ohio. It is also the 304th largest bank in the nation. It was established in 1904 and as of March of 2014, it had grown to 563 employees at 28 locations. Union Savings Bank (OH) has a C+ health rating.

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Reviews (1)

Mrtgage Loan

I found the loan officers and management to be hard to deal with . 


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Union Savings Bank (OH) had $42.82 million in non-current loans and owned real-estate with $260.98 million in equity and loan loss allowances on hand to cover it. This gives Union Savings Bank (OH) a Texas Ratio of 16.41% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Union Savings Bank (OH) increased slightly from 10.46% as of March 31, 2013 to 16.41% as of March 31, 2014, resulting in a negative change of 56.78%. This indicates that the balance sheet and financial strength for Union Savings Bank (OH) has declined slightly in recent periods.

Deposit Growth


In the past year, Union Savings Bank (OH) has decreased its total deposits by -$30.34 million, resulting in -1.39% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Union Savings Bank (OH) has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Union Savings Bank (OH) has $2.44 billion in assets with $260.98 million in equity, resulting in a capitalization level of 10.72%, which is above average.

Institution Statistics

FDIC Certificate #32296
Year Established1904
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.44 billion
Loans$1.57 billion
Deposits$2.15 billion
Equity Capital$232.82 million
Loan Loss Allowance$28.15 million
Unbacked Noncurrent Loans$37.71 million
Real Estate Owned$5.11 million
Historic Data - March 2013
Assets$2.49 billion
Equity Capital$217.88 million
Loan Loss Allowance$28.62 million
Unbacked Noncurrent Loans$37.71 million
Real Estate Owned$5.42 million
Profit Margin - Quarterly
Net Interest Margin2.38%
Return on Assets1.88%
Return on Equity19.77%
Interest Income$17.32 million

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Union Savings Bank (OH) has 28 locations. Click to view all Union Savings Bank (OH) locations.