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545 Main Street
Everest, KS 66424

Union State Bank (KS) is headquartered in Everest and is the 56th largest bank in the state of Kansas. It is also the 2,621st largest bank in the nation. It was established in 1901 and as of March of 2014, it had grown to 60 employees at 6 locations. Union State Bank (KS)'s savings rates are 2X the national average, and it has a B+ health rating.

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Reward Checking and Savings Accounts at Union State Bank in KS and MO - 8/21/2013

Union State Bank has a long history of offering a competitive reward checking account. I first reported on its reward checking account in 2008 when the top yield was 6.01% for balances up to $25K. The ...

Reviews (1)

Attentive And Responsive

Although the closest branch of this bank is about an hour away, they have consistently been prompt and responsive to my needs.  They have dropped their rates recently, but I haven't found another option that makes the move worthwhile.


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 State Bank (KS) had $4.29 million in non-current loans and owned real-estate with $27.97 million in equity and loan loss allowances on hand to cover it. This gives Union State Bank (KS) a Texas Ratio of 15.33% 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 State Bank (KS) experienced no significant changes from 15.80% as of March 31, 2013 to 15.33% as of March 31, 2014, resulting in a positive change of 3.02%.This indicates that the balance sheet and financial strength for Union State Bank (KS) has had no significant changes in recent periods.

Deposit Growth


In the past year, Union State Bank (KS) has increased its total deposits by $8.75 million, resulting in 4.21% 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 State Bank (KS) has shown is excellent.



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 State Bank (KS) has $242.85 million in assets with $27.97 million in equity, resulting in a capitalization level of 11.52%, which is excellent.

Institution Statistics

FDIC Certificate #18610
Year Established1901
Primary RegulatorFED
Assets and Liabilities
Assets$242.85 million
Loans$180.66 million
Deposits$216.35 million
Equity Capital$24.30 million
Loan Loss Allowance$3.67 million
Unbacked Noncurrent Loans$3.64 million
Real Estate Owned$645,000
Historic Data - March 2013
Assets$238.23 million
Equity Capital$24.36 million
Loan Loss Allowance$3.32 million
Unbacked Noncurrent Loans$3.64 million
Real Estate Owned$712,000
Profit Margin - Quarterly
Net Interest Margin4.25%
Return on Assets1.73%
Return on Equity17.52%
Interest Income$2.77 million
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Union State Bank (KS) Savings Account Rates

1.25%-$25kREAL Saver - Qualifying
0.05%--REAL Saver - Non Qualifying

Union State Bank (KS) Checking Account Rates

2.50%-$25kMy Rewards Checking - Qualifying
0.05%--My Rewards Checking - Non Qualifying

Union State Bank (KS) CD Rates

1.20%$1k-4 Year CD
1.20%$1k-Business 4 Year CD
1.00%$1k-3 Year CD
1.00%$1k-Business 3 Year CD
0.60%$1k-2 Year CD
0.60%$1k-Business 2 Year CD
0.40%$1k-1 Year CD
0.40%$1k-Business 1 Year CD
0.30%$1k-182 Day CD
0.30%$1k-Business 182 Day CD
0.20%$1k-91 Day CD
0.20%$1k-Business 91 Day CD

Union State Bank (KS) Locations
Mclouth Branch117 S Union StMc Louth, KS 66054
Horton Branch - 301301 East 15thHorton, KS 66439
Grower Branch321 U.S. Highway 169 SouthGower, MO 64454
The Union State Bank Of Everest545 Main StreetEverest, KS 66424
Atchison Branch701 KansasAtchison, KS 66002 BranchSixth & MainEverest, KS 66424