Union Savings Bank (Danbury, CT)
Union Savings Bank (Danbury, CT) reported total assets of $3.3 bn at Q2 2026, up 4.6% on a year earlier. Union Savings Bank (Danbury, CT) uses the community bank leverage ratio framework, with a leverage ratio of 11.48%, and the uninsured share of Union Savings Bank (Danbury, CT) was 22.67%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Union Savings Bank (Danbury, CT) climbed from 173rd to 101st among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Union Savings Bank (Danbury, CT) reports one of the lowest net charge-offs to average loans readings among banks of $1 bn to $10 bn: -0.01% at , where the median of the 339 banks is 0.06% (FDIC Call Reports).
What sets Union Savings Bank (Danbury, CT) apart
How large is Union Savings Bank (Danbury, CT)?
The balance sheet of Union Savings Bank (Danbury, CT) at : assets $3.3 bn, deposits $2.5 bn, net loans $2.4 bn (loans equal to 92.62% of deposits). Securities make up 15.4% of total assets at Union Savings Bank (Danbury, CT). Since , when Union Savings Bank (Danbury, CT) held $2.2 bn, its assets grew 50.3%. In the year to , deposits at Union Savings Bank (Danbury, CT) rose 6.5% while its total assets rose 4.6%. At , Union Savings Bank (Danbury, CT) employed 364 full-time equivalent staff across 26 offices, about $9.1 mn of assets per employee and $98.1 mn of deposits per office.
How much funding at Union Savings Bank (Danbury, CT) is uninsured?
At Union Savings Bank (Danbury, CT), uninsured deposits (above the FDIC limit) made up 22.67% of domestic deposits at (+0.57 pp on a year earlier); Union Savings Bank (Danbury, CT) ranks 392nd of 500 on this measure. In dollars, Union Savings Bank (Danbury, CT) estimated $578.2 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.5 bn | +6.5% | 413th of 499 |
| Net loans and leases | $2.4 bn | +7.6% | 389th of 500 |
| Loan-to-deposit ratio | 92.62% | +1.00 pp | 151st of 500 |
| Net interest margin | 3.10% | +0.19 pp | 390th of 500 |
| Return on assets (ROA) | 0.81% | +0.14 pp | 434th of 500 |
| Efficiency ratio | 69.65% | -3.51 pp | 430th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $97,000 | Narrowed by $26,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $89.5 mn | Narrowed by $12.2 mn | |
| Noncurrent loans to total loans | 0.29% | -0.10 pp | 101st of 500 (1 = lowest) |
| Net charge-offs to average loans | -0.01% | +0.03 pp | 25th of 500 (1 = lowest) |
US rank of Union Savings Bank (Danbury, CT): 1 = highest unless marked 1 = lowest.
Balance sheet
Union Savings Bank (Danbury, CT): assets, deposits and loans
- Total assets $3.3bn
- Deposits $2.5bn
- Net loans $2.4bn
Capital and securities
Union Savings Bank (Danbury, CT) uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 11.48% in . Equity capital of Union Savings Bank (Danbury, CT) at : $326.2 mn, or 9.9% of total assets.
On held-to-maturity securities, Union Savings Bank (Danbury, CT) carried an unrealized loss of $97,000 at , equal to 0.0% of equity capital. The loss narrowed by $26,000 over the year. Its deepest point: $534,000 in . The available-for-sale portfolio of Union Savings Bank (Danbury, CT) showed an unrealized loss of $89.5 mn at ; the loss narrowed by $12.2 mn over the year.
Union Savings Bank (Danbury, CT): capital ratios
- Total capital 18%
- CET1 17%
- Tier 1 leverage 11%
Union Savings Bank (Danbury, CT): unrealized securities gains and losses
- Available for sale -$89mn
- Held to maturity -$97,000
Profitability and loan quality
For the year to , Union Savings Bank (Danbury, CT) earned a return on equity of 8.38%; return on assets: 0.81%. Net interest margin at Union Savings Bank (Danbury, CT): 3.10%, +0.19 pp in a year. Union Savings Bank (Danbury, CT) net income: $13.4 mn, up 27.8% year on year. The efficiency ratio of Union Savings Bank (Danbury, CT) was 69.65%: about 70 cents cost per revenue dollar, against 60 cents at the median peer.
At , noncurrent loans were 0.29% of total loans at Union Savings Bank (Danbury, CT); net charge-offs: -0.01% of average loans. Gross loans and leases at Union Savings Bank (Danbury, CT): $2.4 bn, up 7.6% in a year.
Union Savings Bank (Danbury, CT): profitability
- Return on equity 8.4%
- Net interest margin 3.1%
- Return on assets 0.8%
Peer group of Union Savings Bank (Danbury, CT)
The peer group of Union Savings Bank (Danbury, CT) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Union Savings Bank (Danbury, CT) (state-chartered stock savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Connecticut. Against them, Union Savings Bank (Danbury, CT) shows return on equity 8.38% against a peer median of 13.13% and uninsured deposit share 22.67% against a peer median of 27.99%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Red River Bank | State nonmember bank | LA | $3.3 bn | 17.32% | 13.35% | 31.72% | |
| BankFirst Financial Services | State member bank | MS | $3.3 bn | not reported | 8.41% | 24.27% | |
| ACNB Bank | State nonmember bank | PA | $3.3 bn | 14.30% | 14.53% | 22.40% | |
| Union Savings Bank | State-chartered stock savings bank | CT | $3.3 bn | not reported | 8.38% | 22.67% | |
| Fidelity Bank | National bank | KS | $3.3 bn | 10.97% | 11.90% | 38.79% | |
| Oakstar Bank | State member bank | MO | $3.3 bn | not reported | 14.62% | 18.52% | |
| Lone Star National Bank | National bank | TX | $3.3 bn | 20.01% | 12.92% | 58.85% | |
. FDIC Call Reports.
Last eight quarters
Two years at Union Savings Bank (Danbury, CT), to : assets +7.7%, deposits +13.1%, equity +16.8%. Staff 357 to 364.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.1 bn | $3.1 bn | $3.1 bn | $3.2 bn | $3.2 bn | $3.3 bn | $3.3 bn | $3.3 bn |
| Total deposits | $2.3 bn | $2.3 bn | $2.4 bn | $2.4 bn | $2.4 bn | $2.5 bn | $2.5 bn | $2.5 bn |
| Bank equity capital | $279.2 mn | $268.0 mn | $283.2 mn | $292.5 mn | $303.7 mn | $312.6 mn | $318.6 mn | $326.2 mn |
| Return on equity (ROE) | 4.53% | 2.72% | 7.51% | 7.44% | 7.42% | 6.68% | 8.09% | 8.38% |
| Uninsured share of domestic deposits | 21.64% | 21.08% | 21.11% | 22.11% | 22.29% | 22.18% | 22.41% | 22.67% |
| Full-time equivalent employees | 357 | 362 | 362 | 364 | 365 | 361 | 361 | 364 |
| Number of offices | 26 | 26 | 26 | 26 | 26 | 26 | 26 | 26 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Union Savings Bank (Danbury, CT) appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Union Savings Bank (Danbury, CT)?
Union Savings Bank (Danbury, CT) reported $3.3 bn at in its Call Report. That makes Union Savings Bank (Danbury, CT) the 383rd largest of 497 banks in our US coverage.
Is Union Savings Bank (Danbury, CT) the same as its holding company?
No. This page covers Union Savings Bank (Danbury, CT), FDIC certificate 18190; USB BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Union Savings Bank (Danbury, CT) profitable?
Union Savings Bank (Danbury, CT) reported net income of $13.4 mn for the year to ; annualized return on equity: 8.38%. So yes: Union Savings Bank (Danbury, CT) made a profit over these months.
When is data for Union Savings Bank (Danbury, CT) next updated?
Figures from Union Savings Bank (Danbury, CT) for are due after .
Where can I check the figures for Union Savings Bank (Danbury, CT)?
In the FDIC BankFind Suite record for certificate 18190, and in the Call Reports of Union Savings Bank (Danbury, CT) (RSSD ID 443205) at the FFIEC Central Data Repository.