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Overview / Commentary
515-462-2161
611 West Highway 92
Winterset, IA 50273

Union State Bank (14982) is headquartered in Winterset and is the 215th largest bank in the state of Iowa. It is also the 4,457th largest bank in the nation. It was established in 1935 and as of December of 2017, it had grown to 23 employees at 3 locations. Union State Bank (14982) has a B health rating.

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Health
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 Established1935
Employees23
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD9.85%
Annual Interest Income$3.1MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$88.8MM$87.9MM
LoansQ4 2017vs Q4 2016$56.5MM$52.6MM
DepositsQ4 2017vs Q4 2016$78.2MM$79.9MM
Equity CapitalQ4 2017vs Q4 2016$7.3MM$7.0MM
Loan Loss AllowanceQ4 2017vs Q4 2016$548.00K$520.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$0$229.00K
Real Estate OwnedQ4 2017vs Q4 2016$216.00K$216.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--College Plan
0.50%--Super Saver
0.50%--Burial Trust
0.50%--Health Savings Account
0.35%--Christmas Club Account
0.25%*$25k*-Regular Savings
OTHER TIERS: 0.12% Up to $10k | 0.20% $10k - $25k

Union State Bank (14982) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$25k*-Money Market Account
OTHER TIERS: 0.12% Up to $2,500 | 0.15% $2,500 - $10k | 0.25% $10k - $25k

Union State Bank (14982) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$25k*-Choice Plus Checking
OTHER TIERS: 0.08% Up to $10k | 0.10% $10k - $25k
0.15%*$25k*-Golden Opportunity Business Plus
OTHER TIERS: 0.08% Up to $10k | 0.10% $10k - $25k
0.08%$500-Choice Plus Checking - GO
0.08%$500-Golden Opportunity Business Plus - GO

Union State Bank (14982) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$1k-27 Month CD Special
2.06%*$25k*-60 Month CD
OTHER TIERS: 1.76% $500 - $2,500 | 1.81% $2,500 - $10k | 2.01% $10k - $25k
2.01%$2,500-60 Month GO CD
1.75%$1k-17 Month CD Special
1.56%*$25k*-48 Month CD
OTHER TIERS: 1.00% $500 - $2,500 | 1.20% $2,500 - $10k | 1.41% $10k - $25k
1.41%$2,500-48 Month GO CD
1.31%*$25k*-36 Month CD
OTHER TIERS: 0.75% $500 - $2,500 | 0.85% $2,500 - $10k | 1.20% $10k - $25k
1.31%$10k-36 Month Step-Up CD Special
1.25%$1k-11 Month CD Special
1.20%$2,500-36 Month GO CD
1.10%*$25k*-24 Month CD
OTHER TIERS: 0.50% $500 - $2,500 | 0.80% $2,500 - $10k | 1.00% $10k - $25k
1.00%$2,500-24 Month GO CD
0.70%*$25k*-18 Month CD
OTHER TIERS: 0.25% $500 - $2,500 | 0.40% $2,500 - $10k | 0.50% $10k - $25k
0.60%*$25k*-12 Month CD
OTHER TIERS: 0.20% $500 - $2,500 | 0.35% $2,500 - $10k | 0.40% $10k - $25k
0.50%$2,500-18 Month GO CD
0.45%*$25k*-6 Month CD
OTHER TIERS: 0.20% $500 - $2,500 | 0.25% $2,500 - $10k | 0.30% $10k - $25k
0.40%$2,500-12 Month GO CD
0.30%$2,500-6 Month GO CD

Union State Bank (14982) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.06%*$25k*-60 Month IRA CD
OTHER TIERS: 1.76% $500 - $2,500 | 1.81% $2,500 - $10k | 2.01% $10k - $25k
2.01%$2,500-60 Month GO IRA CD
1.56%*$25k*-48 Month IRA CD
OTHER TIERS: 1.00% $500 - $2,500 | 1.20% $2,500 - $10k | 1.41% $10k - $25k
1.41%$2,500-48 Month GO IRA CD
1.31%*$25k*-36 Month IRA CD
OTHER TIERS: 0.75% $500 - $2,500 | 0.85% $2,500 - $10k | 1.20% $10k - $25k
1.31%$10k-36 Month Step-Up IRA CD Special
1.20%$2,500-36 Month GO IRA CD
1.10%*$25k*-24 Month IRA CD
OTHER TIERS: 0.50% $500 - $2,500 | 0.80% $2,500 - $10k | 1.00% $10k - $25k
1.00%$2,500-24 Month GO IRA CD
0.70%*$25k*-18 Month IRA CD
OTHER TIERS: 0.25% $500 - $2,500 | 0.40% $2,500 - $10k | 0.50% $10k - $25k
0.60%*$25k*-12 Month IRA CD
OTHER TIERS: 0.20% $500 - $2,500 | 0.35% $2,500 - $10k | 0.40% $10k - $25k
0.50%$2,500-18 Month GO IRA CD
0.45%*$25k*-6 Month IRA CD
OTHER TIERS: 0.20% $500 - $2,500 | 0.25% $2,500 - $10k | 0.30% $10k - $25k
0.40%$2,500-12 Month GO IRA CD
0.30%$2,500-6 Month GO IRA CD
Locations


Union State Bank (14982) Locations
Truro Branch160 East GarfieldTruro, IA 50257
Union State Bank611 West Highway 92Winterset, IA 50273
West Des Moines Branch6305 Mills Civic Parkway, Suite 3121West Des Moines, IA 50266

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