Bank · FDIC insured
Union State Bank
A $206.2M bank headquartered in Clay Center, KS, with 4 branches in Kansas.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no accounts of this kind found on its website. Savings: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings—0.30%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Union State Bank
- Headquarters
- 701 5th St, Clay Center, KS 67432
- FDIC certificate
- 15908 ↗
Branches
4 branches in Kansas
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Kansas
4 branches
Clay Center area · 2
- Union State BankMain office701 5th St, Clay Center, KS 67432Directions
- Drive-In Branch508 Dexter St, Clay Center, KS 67432Directions
Barnes area · 1
- Barnes Branch101 S Center St, Barnes, KS 66933Directions
Palmer area · 1
- Palmer Branch104 E 2nd St, Palmer, KS 66962Directions
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 | 10.29% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.87% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $66 | $81 | — |
- CapitalLeverage ratio10.29%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.87%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$66Peers’ 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.