Bank · FDIC insured
Union State Bank
A $212.5M bank headquartered in Pell City, AL, with 8 branches in Alabama. Best rates: CDs 3.65% and savings 0.90% APY.
Union State Bank Carrot Score
68
Carrot Score
Higher than 23% of U.S. banks and credit unions
#30 of 35 in Birmingham, AL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Union State Bank
Founded in 1903 by a group led by J. Fall Roberson, Sr., Union State Bank was established to serve businesses and citizens in Pell City and St. Clair County, Alabama.
The bank operates eight retail banking offices serving communities across northeast and central Alabama.
- Headquarters
- 15 20th St N, Pell City, AL 35125
- FDIC certificate
- 5602 ↗
Branches
8 branches in Alabama
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Alabama
8 branches
Birmingham area · 6
- Union State BankMain office15 20th St N, Pell City, AL 35125Directions
- Ashville Branch32 Court St E, Ashville, AL 35953Directions
- Cropwell Branch2408 Mays Drive, Cropwell, AL 35054Directions
- Hoover Branch3437 Lorna Rd, Hoover, AL 35216Directions
- Plaza Branch509 Main Street, Pell City, AL 35125Directions
- Pleasant Grove Branch829 Park Rd, Pleasant Grove, AL 35127Directions
Cedar Bluff area · 1
- Cedar Bluff Main Branch3460 Old Highway 9, Cedar Bluff, AL 35959Directions
Centre area · 1
- Centre Branch796 Cedar Bluff Rd, Centre, AL 35960Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.61% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.43% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $52 | $81 | — |
- CapitalLeverage ratio9.61%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.43%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$52Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Union State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.