🏦Bank Scorer

UNION STATE BANK

PELL CITY, AL · Supervised by FDIC

Est. 1903FDIC #5,602RSSD: FDIC-5602
Part ofUNION BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.45%

Institution Profile

FDIC BankFind

Address

15 20th St N, PELL CITY, AL

County

St. Clair County

Established

January 1, 1903

Total Assets

$205M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2026

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2031(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$205M

Total Deposits

$189M

Net Loans

$89M

Net Income

$239K

ROA

0.45%

ROE

8.69%

Risk-Based Capital

15.15%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$207M

1-Year Change

-1

5-year net change: -5 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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