Total Assets
$212.5M
Total Deposits
$191.7M
Branches
8
Established
1903
Union State Bank is a bank headquartered in Pell City, Alabama, established in 1903. It holds $212.5M in total assets across 8 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Union State Bank earns a TFS Financial Health Grade of D (53.5/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
53.5 / 100
Below average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Union State BankHQ | 15 20th St N | Pell City | AL | 11 |
| Union State Bank | 32 Court St E | Ashville | AL | 11 |
| Union State Bank | 3460 Old Highway 9 | Cedar Bluff | AL | 11 |
| Union State Bank | 796 Cedar Bluff Rd | Centre | AL | 11 |
| Union State Bank | 2408 Mays Drive | Cropwell | AL | 11 |
| Union State Bank | 3437 Lorna Rd | Hoover | AL | 11 |
| Union State Bank | 509 Main Street | Pell City | AL | 11 |
| Union State Bank | 829 Park Rd | Pleasant Grove | AL | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
53.5
Tier 1 capital ratio
9.61%
Return on assets
0.43%
Non-performing loans
2.00%
Efficiency ratio
88.32%
Asset growth (YoY)
-1.65%
Suggested direct comparisons
HUNTSVILLE, AL
$8.6B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.