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Union State Bank

West Salem, WI · Est. 1903 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

Union State Bank is a bank based in West Salem, Wisconsin, established in 1903, with $119 million in total assets across 2 branches. By Trust Grade it ranks 22nd of 154 banks we track in Wisconsin. Its capital ratio of 10.0% trails most similarly sized banks (48th percentile), versus a Wisconsin median of 10.4%. It was profitable over the most recent period, with a 1.41% return on assets. No consumer complaints against Union State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$119.1M
$100M–1B institution
Deposits
$99.0M
Branches
2
Capital ratio
10.0%
Bottom 48% of $100M–1B peers · Wisconsin median 10.4%
Return on assets
1.4%
Top 37% of $100M–1B peers · Wisconsin median 1.2%
Rank in Wisconsin
#22
of 154 banks

How Union State Bank compares to Wisconsin peers

Capital ratio
Bottom 48% of $100M–1B peers
Union State
10.0%
Wisconsin median
10.4%
Higher capital ratio = stronger financial cushion
Return on assets
Top 37% of $100M–1B peers
Union State
1.4%
Wisconsin median
1.2%
Higher ROA = more profitable relative to asset base

How we graded Union State Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (10.0% capital ratio)
  • Strongly profitable (ROA 1.41%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Union State Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (2)

  • 1405 W City Highway 16, West Salem, WI 54669
  • 120 Mill St S, West Salem, WI 54669

Are deposits at Union State Bank insured?

Yes. Union State Bank is an FDIC-insured bank (FDIC certificate #14560). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Union State Bank: frequently asked questions

Is Union State Bank a good bank?

Union State Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.0% capital ratio); Strongly profitable (ROA 1.41%).

Is Union State Bank FDIC-insured?

Yes. Union State Bank is a FDIC-insured bank (FDIC certificate #14560). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Union State Bank?

Union State Bank holds $119 million in total assets, ranking 22nd of 154 banks we track in Wisconsin. It operates 2 branches.

Does Union State Bank have CFPB complaints?

No CFPB complaints against Union State Bank appear in our data over the analysis window, which is typical for a bank of this size.

Similar Banks

Headwaters State Bank
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Richland County Bank
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Keysavings Bank
bank · Wisconsin Rapids, WI · $127M assets
Bonduel State Bank
bank · Bonduel, WI · $131M assets
Community First Bank
bank · Rosholt, WI · $101M assets

Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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