Union Savings Bank (Cincinnati, OH)
Union Savings Bank (Cincinnati, OH) reported total assets of $4.0 bn at Q2 2026, down 0.1% on a year earlier. Union Savings Bank (Cincinnati, OH) uses the community bank leverage ratio framework, with a leverage ratio of 10.51%, and the uninsured share of Union Savings Bank (Cincinnati, OH) was 13.45%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, Union Savings Bank (Cincinnati, OH) climbed from 320th to 119th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Union Savings Bank (Cincinnati, OH) 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).
- The uninsured share of domestic deposits of Union Savings Bank (Cincinnati, OH), 13.45% at , places Union Savings Bank (Cincinnati, OH) in the bottom tenth of banks of $1 bn to $10 bn (group median 32.61%; FDIC Call Reports).
What sets Union Savings Bank (Cincinnati, OH) apart
- Few banks of $1 bn to $10 bn report a higher return on equity (ROE) than Union Savings Bank (Cincinnati, OH), at 19.84% in against a group median of 12.68%.
- Union Savings Bank (Cincinnati, OH) has one of the highest return on assets (ROA) readings among banks of $1 bn to $10 bn: 2.01% at , against a median of 1.32% across 339 banks.
How large is Union Savings Bank (Cincinnati, OH)?
The balance sheet of Union Savings Bank (Cincinnati, OH) at : assets $4.0 bn, deposits $3.5 bn, net loans $3.5 bn (loans equal to 99.73% of deposits). Securities make up 0.2% of total assets at Union Savings Bank (Cincinnati, OH). Since , when Union Savings Bank (Cincinnati, OH) held $2.6 bn, its assets grew 56.3%. In the year to , deposits at Union Savings Bank (Cincinnati, OH) rose 4.8% while its total assets fell 0.1%. At , Union Savings Bank (Cincinnati, OH) employed 497 full-time equivalent staff across 39 offices, about $8.1 mn of assets per employee and $90.6 mn of deposits per office.
How much funding at Union Savings Bank (Cincinnati, OH) is uninsured?
At Union Savings Bank (Cincinnati, OH), uninsured deposits (above the FDIC limit) made up 13.45% of domestic deposits at (-0.36 pp on a year earlier); Union Savings Bank (Cincinnati, OH) ranks 456th of 500 on this measure. In dollars, Union Savings Bank (Cincinnati, OH) estimated $475.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.5 bn | +4.8% | 313th of 499 |
| Net loans and leases | $3.5 bn | -0.8% | 283rd of 500 |
| Loan-to-deposit ratio | 99.73% | -5.68 pp | 60th of 500 |
| Net interest margin | 2.94% | +0.42 pp | 414th of 500 |
| Return on assets (ROA) | 2.01% | +0.75 pp | 47th of 500 |
| Efficiency ratio | 48.40% | -12.73 pp | 119th of 500 (1 = lowest) |
| Noncurrent loans to total loans | 0.70% | +0.31 pp | 281st of 500 (1 = lowest) |
| Net charge-offs to average loans | -0.01% | -0.01 pp | 29th of 500 (1 = lowest) |
US rank of Union Savings Bank (Cincinnati, OH): 1 = highest unless marked 1 = lowest.
Balance sheet
Union Savings Bank (Cincinnati, OH): assets, deposits and loans
- Total assets $4.0bn
- Deposits $3.5bn
- Net loans $3.5bn
Capital and securities
Union Savings Bank (Cincinnati, OH) uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 10.51% in . Equity capital of Union Savings Bank (Cincinnati, OH) at : $408.8 mn, or 10.2% of total assets.
Union Savings Bank (Cincinnati, OH): capital ratios
- Total capital 20%
- CET1 18%
- Tier 1 leverage 11%
Union Savings Bank (Cincinnati, OH): unrealized securities gains and losses
- Available for sale $0
- Held to maturity $0
Profitability and loan quality
For the year to , Union Savings Bank (Cincinnati, OH) earned a return on equity of 19.84%; return on assets: 2.01%. Net interest margin at Union Savings Bank (Cincinnati, OH): 2.94%, +0.42 pp in a year. Union Savings Bank (Cincinnati, OH) net income: $40.5 mn, up 62.2% year on year. The efficiency ratio of Union Savings Bank (Cincinnati, OH) was 48.40%: about 48 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.70% of total loans at Union Savings Bank (Cincinnati, OH); net charge-offs: -0.01% of average loans. Gross loans and leases at Union Savings Bank (Cincinnati, OH): $3.6 bn, down 0.8% in a year.
Union Savings Bank (Cincinnati, OH): profitability
- Return on equity 20%
- Net interest margin 2.9%
- Return on assets 2.0%
Peer group of Union Savings Bank (Cincinnati, OH)
The peer group of Union Savings Bank (Cincinnati, OH) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Union Savings Bank (Cincinnati, OH) (state-chartered stock savings and loan association), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Ohio. Against them, Union Savings Bank (Cincinnati, OH) shows return on equity 19.84% against a peer median of 11.46% and uninsured deposit share 13.45% against a peer median of 42.24%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Spencer Savings Bank, SLA | State-chartered stock savings and loan association | NJ | $4.0 bn | 16.80% | 5.41% | 41.60% | |
| West Bank | State nonmember bank | IA | $4.0 bn | 13.03% | 13.02% | 49.50% | |
| California Bank of Commerce | National bank | CA | $4.0 bn | 13.93% | 9.68% | 50.40% | |
| Union Savings Bank | State-chartered stock savings and loan association | OH | $4.0 bn | not reported | 19.84% | 13.45% | |
| River Bank & Trust | State nonmember bank | AL | $4.0 bn | 12.57% | 16.87% | 42.89% | |
| Central Bank & Trust Co. | State nonmember bank | KY | $4.0 bn | 15.12% | 10.25% | 35.13% | |
| RCB Bank | State member bank | OK | $4.0 bn | 16.30% | 12.68% | 21.91% | |
. FDIC Call Reports.
Last eight quarters
Two years at Union Savings Bank (Cincinnati, OH), to : assets +1.7%, deposits +7.7%, equity +3.0%. Staff 513 to 497; offices 38 to 39.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.0 bn | $3.9 bn | $3.9 bn | $4.0 bn | $4.1 bn | $4.0 bn | $4.0 bn | $4.0 bn |
| Total deposits | $3.3 bn | $3.4 bn | $3.4 bn | $3.4 bn | $3.4 bn | $3.5 bn | $3.5 bn | $3.5 bn |
| Bank equity capital | $396.7 mn | $397.0 mn | $400.0 mn | $404.4 mn | $411.4 mn | $409.5 mn | $406.7 mn | $408.8 mn |
| Return on equity (ROE) | 8.44% | 8.23% | 10.54% | 12.47% | 16.70% | 16.33% | 22.09% | 19.84% |
| Uninsured share of domestic deposits | 12.46% | 12.98% | 13.70% | 13.80% | 13.74% | 14.16% | 14.18% | 13.45% |
| Full-time equivalent employees | 513 | 515 | 513 | 508 | 503 | 492 | 513 | 497 |
| Number of offices | 38 | 38 | 38 | 39 | 39 | 39 | 39 | 39 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Union Savings Bank (Cincinnati, OH) 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 (Cincinnati, OH)?
Union Savings Bank (Cincinnati, OH) reported $4.0 bn at in its Call Report. That makes Union Savings Bank (Cincinnati, OH) the 330th largest of 497 banks in our US coverage.
Is Union Savings Bank (Cincinnati, OH) profitable?
Union Savings Bank (Cincinnati, OH) reported net income of $40.5 mn for the year to ; annualized return on equity: 19.84%. So yes: Union Savings Bank (Cincinnati, OH) made a profit over these months.
When is data for Union Savings Bank (Cincinnati, OH) next updated?
Figures from Union Savings Bank (Cincinnati, OH) for are due after .
Where can I check the figures for Union Savings Bank (Cincinnati, OH)?
In the FDIC BankFind Suite record for certificate 32296, and in the Call Reports of Union Savings Bank (Cincinnati, OH) (RSSD ID 911973) at the FFIEC Central Data Repository.