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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Pell City, AL · FDIC certificate #5602
UNION STATE BANK is an FDIC-insured institution based in Pell City, AL (FDIC certificate #5602). In its Q3 2026 Call Report it reported total assets of $213M, total deposits of $197M and net loans of $92M. Its primary federal regulator is FDIC.
Plain-language readout
UNION STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $213M in Q3 2026 and were lowest at $205M in Q1 2026.
Total deposits were highest at $197M in Q3 2026 and lowest at $189M in Q1 2026.
Over the whole period total assets rose 3.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $213M | $197M | $92M | 0.33% | 6.36% | 3.60% |
| Q2 2026 | $212M | $192M | $98M | 0.43% | 8.00% | 3.59% |
| Q1 2026 | $205M | $189M | $89M | 0.45% | 8.69% | 3.54% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $19.8M | $19.1M | +$718K | +3.8% |
| Federal funds sold | $7.0M | $8.0M | -$1.0M | -12.5% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $67.7M | $68.1M | -$436K | -0.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $98.1M | $89.3M | +$8.8M | +9.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.4M | $2.4M | -$11K | -0.5% |
| Other real estate owned | $232K | $217K | +$15K | +6.9% |
| Investments in unconsolidated subsidiaries and associated companies | $1.8M | $2.6M | -$868K | -32.8% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $15.4M | $15.6M | -$171K | -1.1% |
| Total assets | $212.5M | $205.4M | +$7.1M | +3.4% |
| Liabilities | ||||
| Total deposits | $191.7M | $189.2M | +$2.4M | +1.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $8.0M | $4.0M | +$4.0M | +100.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $975K | $948K | +$27K | +2.8% |
| Total liabilities | $200.6M | $194.2M | +$6.4M | +3.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $41K | $41K | $0K | 0.0% |
| Surplus | $6.0M | $6.0M | $0K | 0.0% |
| Retained earnings | $14.6M | $14.3M | +$213K | +1.5% |
| Accumulated other comprehensive income | -$8.8M | -$9.2M | +$398K | +4.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $11.8M | $11.2M | +$611K | +5.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.2M | $1.2M | +$1.1M | +91.1% |
| Adjusted nonperforming assets | $2.2M | $1.2M | +$1.1M | +91.1% |
| Tangible equity plus allowance | $12.7M | $12.1M | +$653K | +5.4% |
| Texas ratio (gross) | 17.41% | 9.60% | +7.81 pts | See points |
| Texas ratio (adjusted) | 17.41% | 9.60% | +7.81 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 13.61% | 14.47% | -0.85 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.61% | 14.47% | -0.85 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.67% | 0.68% | -0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.29% | 15.15% | -0.87 pts | See points |
| Tier 1 leverage (approximate) | 9.61% | 9.55% | +0.06 pts | See points |
| Construction and land loans to total capital | 78.63% | 69.39% | +9.24 pts | See points |
| Commercial real estate to total capital | 227.18% | 197.59% | +29.59 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -41.74% | -37.52% | -4.22 pts | See points |
| Liquidity | ||||
| Core deposits | $181.9M | $180.0M | +$1.9M | +1.0% |
| Non-core funding | $17.8M | $13.2M | +$4.6M | +34.6% |
| Loans to core deposits | 54.44% | 50.08% | +4.35 pts | See points |
| Loans to deposits | 51.67% | 47.65% | +4.02 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 69.09% | 69.28% | -0.18 pts | See points |
| Loans pledged, share of loans | 8.08% | 4.44% | +3.64 pts | See points |
| Volatile liabilities | $17.8M | $13.2M | +$4.6M | +34.6% |
| Earnings | ||||
| Earnings before provision, year to date | $502K | $239K | +$263K | +110.0% |
| Earnings before provision, single quarter | $263K | $239K | +$24K | +10.0% |
| Provision for credit losses, year to date | $51K | $0K | +$51K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.53% | 6.58% | -0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.07% | 3.14% | -0.08 pts | See points |
| Total interest income to average assets | 4.24% | 4.08% | +0.16 pts | See points |
| Cost of interest-bearing transaction accounts | 0.97% | 1.04% | -0.07 pts | See points |
| Cost of savings and money market deposits | 0.78% | 0.75% | +0.04 pts | See points |
| Cost of time deposits | 2.44% | 2.48% | -0.03 pts | See points |
| Total interest expense to average assets | 0.93% | 0.91% | +0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $213M | $197M | $92M | 0.33% | 6.36% | 3.60% |
| 2026-06-30 | $212M | $192M | $98M | 0.43% | 8.00% | 3.59% |
| 2026-03-31 | $205M | $189M | $89M | 0.45% | 8.69% | 3.54% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $206.9M | 0.15% | 78 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.