Union State Bank is a bank based in Pell City, Alabama, established in 1903, with $205 million in total assets across 8 branches. By Trust Grade it ranks 83rd of 93 banks we track in Alabama. Its capital ratio of 5.5% trails most similarly sized banks (1th percentile), versus a Alabama median of 10%. It was profitable over the most recent period, with a 0.45% 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.
How Union State Bank compares to Alabama peers
How we graded Union State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (5.5% capital ratio)
- Profitable (ROA 0.45%)
- 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 (8)
- 3460 Old Highway 9, Cedar Bluff, AL 35959
- 509 Main Street, Pell City, AL 35125
- 2408 Mays Drive, Cropwell, AL 35054
- 796 Cedar Bluff Rd, Centre, AL 35960
- 829 Park Rd, Pleasant Grove, AL 35127
- 15 20th St N, Pell City, AL 35125
- 3437 Lorna Rd, Hoover, AL 35216
- 32 Court St E, Ashville, AL 35953
Are deposits at Union State Bank insured?
Yes. Union State Bank is an FDIC-insured bank (FDIC certificate #5602). 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 C (77/100, "Average"), based on a financial-strength score of 77/100 (it has no CFPB complaints on record). Well-capitalized (5.5% capital ratio); Profitable (ROA 0.45%).
Is Union State Bank FDIC-insured?
Yes. Union State Bank is a FDIC-insured bank (FDIC certificate #5602). 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 $205 million in total assets, ranking 83rd of 93 banks we track in Alabama. It operates 8 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
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.
