Bank · FDIC insured
Union State Bank
A $719.1M bank headquartered in Arkansas City, KS, with 12 branches in 2 states. Best rates: CDs 3.70% APY.
Union State Bank Carrot Score
60
Carrot Score
Higher than 2% of U.S. banks and credit unions
#8 of 8 in Arkansas City, KS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Union State Bank
Founded in 1908, Union State Bank has been controlled by the Docking family through Docking Bancshares, Inc. since 1956, and merged with The State Bank of Winfield in 2006.
The bank expanded through mergers with Wichita-based RelianzBank in 2015 and Newton-headquartered Midland National Bank in 2020.
Union State Bank provides personal and commercial banking solutions across communities in South Central Kansas and North Central Oklahoma.
- Headquarters
- 127 S Summit St, Arkansas City, KS 67005
- FDIC certificate
- 1869 ↗
Branches
12 branches in 2 states
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Kansas
11 branches
Arkansas City area · 7
- Union State BankMain office127 S Summit St, Arkansas City, KS 67005Directions
- Arkansas City North Branch1329 N 1st St, Arkansas City, KS 67005Directions
- Mid-Town Branch700 N Summit St, Arkansas City, KS 67005Directions
- Udall Branch119 W 1st St, Udall, KS 67146Directions
- 9th Street Drive-In Facility121 W 9th Ave, Winfield, KS 67156Directions
- Winfield Main Branch823 Main St, Winfield, KS 67156Directions
- Winfield South Branch2100 Pike Rd, Winfield, KS 67156Directions
Wichita area · 4
- Newton Main Branch527 N Main St, Newton, KS 67114Directions
- Washington Road Branch1212 Washington Rd, Newton, KS 67114Directions
- Wichita East Branch10111 E 21st St N, Wichita, KS 67206Directions
- Wichita West Branch2327 N Ridge Rd, Wichita, KS 67205Directions
Oklahoma
1 branch
- Bartlesville Branch4110 Nowata Rd, Bartlesville, OK 74006Directions
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 | 10.25% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.19% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.27% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $69 | $81 | — |
- CapitalLeverage ratio10.25%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.19%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.27%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$69Peers’ 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.