Union State Bank (14982)

Overview / Commentary

www.usbiowa.com

515-462-2161

611 West Highway 92
Winterset, IA 50273

Union State Bank (14982) is headquartered in Winterset and is the 207^th largest bank in the state of Iowa. It is also the 4,179^th largest bank in the nation. It was established in 1935 and as of June of 2019, it had grown to 23 employees at 3 locations. Union State Bank (14982)'s money market rates are 3X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q2 2019

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Union State Bank (14982) has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	14982
Year Established	1935
Employees	23
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.91%
Return on Equity - YTD	10.66%
Annual Interest Income	$1.8MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$92.5MM$84.7MM
Loans	Q2 2019vs Q2 2018	$56.0MM$54.4MM
Deposits	Q2 2019vs Q2 2018	$84.1MM$77.1MM
Equity Capital	Q2 2019vs Q2 2018	$8.0MM$7.4MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$547.00K$548.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$230.00K$5.00K
Real Estate Owned	Q2 2019vs Q2 2018	$228.00K$216.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Union State Bank (14982) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.60%	-	-	College Plan
0.60%	-	-	Super Saver
0.60%	-	-	Christmas Club Account
0.60%	-	-	Burial Trust
0.60%	-	-	Health Savings Account
0.30%^*	$25k^*	-	Regular Savings
OTHER TIERS: 0.17% → Up to $2.5k \| 0.20% → $2.5k - $10k \| 0.25% → $10k - $25k

Union State Bank (14982) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.20%^*	$500k^*	-	Advantage Money Market
OTHER TIERS: 0.15% → Up to $25k \| 0.75% → $25k - $100k \| 0.85% → $100k - $300k \| 1.05% → $300k - $500k
0.40%^*	$25k^*	-	Money Market Account
OTHER TIERS: 0.25% → Up to $2.5k \| 0.30% → $2.5k - $10k \| 0.35% → $10k - $25k

Union State Bank (14982) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$25k^*	-	Choice Plus Checking
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $25k
0.20%^*	$25k^*	-	Business Plus
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $25k
0.10%	$500	-	Choice Plus Checking - GO

Union State Bank (14982) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.16%^*	$25k^*	-	60 Month CD
OTHER TIERS: 1.71% → $500 - $2.5k \| 1.76% → $2.5k - $10k \| 2.06% → $10k - $25k
2.06%	$2.5k	-	60 Month GO CD
2.01%^*	$25k^*	-	48 Month CD
OTHER TIERS: 1.20% → $500 - $2.5k \| 1.40% → $2.5k - $10k \| 1.91% → $10k - $25k
2.01%	$1k	-	17 Month CD Special
1.91%^*	$25k^*	-	36 Month CD
OTHER TIERS: 1.10% → $500 - $2.5k \| 1.30% → $2.5k - $10k \| 1.81% → $10k - $25k
1.91%	$2.5k	-	48 Month GO CD
1.81%	$2.5k	-	36 Month GO CD
1.81%	$10k	-	36 Month Step-Up CD Special
1.51%^*	$25k^*	-	24 Month CD
OTHER TIERS: 0.65% → $500 - $2.5k \| 0.90% → $2.5k - $10k \| 1.40% → $10k - $25k
1.40%	$2.5k	-	24 Month GO CD
1.20%^*	$25k^*	-	18 Month CD
OTHER TIERS: 0.65% → $500 - $2.5k \| 0.90% → $2.5k - $10k \| 1.15% → $10k - $25k
1.15%	$2.5k	-	18 Month GO CD
1.00%^*	$25k^*	-	12 Month CD
OTHER TIERS: 0.40% → $500 - $2.5k \| 0.55% → $2.5k - $10k \| 0.90% → $10k - $25k
0.90%	$2.5k	-	12 Month GO CD
0.70%^*	$25k^*	-	6 Month CD
OTHER TIERS: 0.25% → $500 - $2.5k \| 0.40% → $2.5k - $10k \| 0.65% → $10k - $25k
0.65%	$2.5k	-	6 Month GO CD

Union State Bank (14982) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.16%^*	$25k^*	-	60 Month IRA CD
OTHER TIERS: 1.71% → $500 - $2.5k \| 1.76% → $2.5k - $10k \| 2.06% → $10k - $25k
2.06%	$2.5k	-	60 Month GO IRA CD
2.01%^*	$25k^*	-	48 Month IRA CD
OTHER TIERS: 1.20% → $500 - $2.5k \| 1.40% → $2.5k - $10k \| 1.91% → $10k - $25k
1.91%^*	$25k^*	-	36 Month IRA CD
OTHER TIERS: 1.10% → $500 - $2.5k \| 1.30% → $2.5k - $10k \| 1.81% → $10k - $25k
1.91%	$2.5k	-	48 Month GO IRA CD
1.81%	$2.5k	-	36 Month GO IRA CD
1.51%^*	$25k^*	-	24 Month IRA CD
OTHER TIERS: 0.65% → $500 - $2.5k \| 0.90% → $2.5k - $10k \| 1.40% → $10k - $25k
1.40%	$2.5k	-	24 Month GO IRA CD
1.20%^*	$25k^*	-	18 Month IRA CD
OTHER TIERS: 0.65% → $500 - $2.5k \| 0.90% → $2.5k - $10k \| 1.15% → $10k - $25k
1.15%	$2.5k	-	18 Month GO IRA CD
1.00%^*	$25k^*	-	12 Month IRA CD
OTHER TIERS: 0.40% → $500 - $2.5k \| 0.55% → $2.5k - $10k \| 0.90% → $10k - $25k
0.90%	$2.5k	-	12 Month GO IRA CD
0.70%^*	$25k^*	-	6 Month IRA CD
OTHER TIERS: 0.25% → $500 - $2.5k \| 0.40% → $2.5k - $10k \| 0.65% → $10k - $25k
0.65%	$2.5k	-	6 Month GO IRA CD

Locations

Union State Bank (14982) Locations
Truro Branch	160 East Garfield	Truro, IA 50257
Union State Bank	611 West Highway 92	Winterset, IA 50273
West Des Moines Branch	6305 Mills Civic Parkway, Suite 3121	West Des Moines, IA 50266

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