Bank · FDIC insured
Union State Bank
A $427.3M bank headquartered in Everest, KS, with 8 branches in 2 states. Best rates: CDs 4.10% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: published rates need another account or activity, so they are not scored. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs874.10%for 16–30 monthsCD rates →
- Savings—1.00%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Union State Bank
Founded in 1901 in Everest, Kansas, Union State Bank operates from its headquarters on Main Street.
The bank serves its local communities across eight locations.
- Headquarters
- 545 Main St, Everest, KS 66424
- FDIC certificate
- 18610 ↗
Branches
8 branches in 2 states
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Kansas
5 branches
Topeka area · 2
- Mclouth Branch117 S Union St, McLouth, KS 66054Directions
- Oskaloosa Branch518 Liberty Street, Oskaloosa, KS 66066Directions
Everest area · 1
- The Union State Bank of EverestMain office545 Main St, Everest, KS 66424Directions
Atchison area · 1
- Atchison Branch701 Kansas Ave, Atchison, KS 66002Directions
Horton area · 1
- Horton Branch - 301301 E 15th St, Horton, KS 66439Directions
Missouri
3 branches
- Grower Branch321 S Us Highway 169, Gower, MO 64454Directions
- Shoal Creek Branch8300 N Booth Ave, Kansas City, MO 64158Directions
- Plattsburg Branch1206 W Clay Ave, Plattsburg, MO 64477Directions
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 | 9.99% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.06% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.62% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $82 | $81 | — |
- CapitalLeverage ratio9.99%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.06%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.62%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$82Peers’ 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.