Union State Bank (AL)

Overview / Commentary

www.unionstate.net

205-884-1520

15 20Th Street North
Pell City, AL 35125

Union State Bank (AL) is headquartered in Pell City and is the 51^st largest bank in the state of Alabama. It is also the 2,670^th largest bank in the nation. It was established in 1903 and as of June of 2022, it had grown to 98 employees at 12 locations. Union State Bank (AL) has a C health rating.

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Health

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	5602
Year Established	1903
Employees	98
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-0.12%
Return on Equity - YTD	-3.74%
Annual Interest Income	$3.1MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$265.6MM$266.5MM
Loans	Q2 2022vs Q2 2021	$72.0MM$77.5MM
Deposits	Q2 2022vs Q2 2021	$263.2MM$249.8MM
Equity Capital	Q2 2022vs Q2 2021	$1.8MM$16.0MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$1.3MM$1.7MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$778.00K$1.5MM
Real Estate Owned	Q2 2022vs Q2 2021	$0$12.00K

Rates

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Savings
Money Market
Checking
CD

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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 (AL) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	-	-	Regular Savings
0.05%	-	-	Christmas Club

Union State Bank (AL) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.08%^*	$20k^*	-	High Yield Money Market
OTHER TIERS: 0.05% → Up to $20k
0.05%	-	-	Money Market

Union State Bank (AL) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	-	-	Business Checking with Interest
0.05%	-	-	Silver Select
0.05%	-	-	Checking with Interest

Union State Bank (AL) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	-	-	5 Year CD
0.55%	-	-	4 Year CD
0.40%	-	-	3 Year CD
0.30%	-	-	2 Year CD
0.20%	-	-	1 Year CD
0.10%	-	-	182 Day CD
0.07%	-	-	91 Day CD
0.05%	-	-	31 Day CD

Locations

Availability

Birmingham Area

Birmingham Area bank & credit union details

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