Union Savings Bank

8534 East Kemper Road
Cincinnati, OH 45249


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 32296
Date Established 1904
Assets $2.74 billion
Loans $2.26 billion
Deposits $2.37 billion
Capital $0.31 billion

Union Savings Bank is an FDIC insured institution located in Cincinnati, OH. It was founded in 1904 and has approximately $2.74 billion in assets. Customers can open an account at one of its 30 branches.

For a more detailed analysis of Union Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 20, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
3 Mo CD
0.25% $500 - Learn MoreShow Less
6 Mo CD
0.75% $500 - Learn MoreShow Less
Special: 12 Mo CD
2.30% $500 - Learn MoreShow Less
12 Mo CD
1.50% $500 - Learn MoreShow Less
18 Mo CD
1.60% $500 - Learn MoreShow Less
Special: 24 Mo CD
2.60% $500 - Learn MoreShow Less
24 Mo CD
1.70% $500 - Learn MoreShow Less
Special: 30 Mo CD
2.60% $500 - Learn MoreShow Less
30 Mo CD
1.75% $500 - Learn MoreShow Less
Special: 36 Mo CD
2.60% $500 - Learn MoreShow Less
36 Mo CD
2.00% $500 - Learn MoreShow Less
48 Mo CD
2.25% $500 - Learn MoreShow Less
60 Mo CD
2.50% $500 - Learn MoreShow Less

Fixed IRA
1.50% $500 - Learn MoreShow Less
Special: 12 Mo FIRA
2.30% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $300 - Learn MoreShow Less

Loan Rates - August 20, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Union Savings Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.518% 3.500% 0.25 $545 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Union Savings Bank
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Union Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Union Savings Bank Locations

Financial Details

Union Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Union Savings Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Union Savings Bank U.S. Bank Average
3.03% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Union Savings Bank had $10,239,000 in non-current loans and $105,000 in owned real estate. To cover these potential losses it had $311,837,000 in equity and $29,121,000 in loans loss reserves. That gives it a Texas Ratio of 3.03%.

Return on Equity
Union Savings Bank U.S. Bank Average
15.68% 9.47%

Union Savings Bank has a Return on Equity of 15.68% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Union Savings Bank U.S. Bank Average
11.37% 12.49%

Union Savings Bank has a Capitalization of 11.37% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Union Savings Bank Balance Sheet Analysis

As of March 31, 2019, Union Savings Bank had assets of $2,742,072,000, loans of $2,262,408,000, and deposits of $2,371,368,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.27 billion
Interest-bearing balances $0.26 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $2.26 billion
Loan loss allowance $0.03 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.07 billion
All other assets $0.09 billion
     Total Assets $2.43 billion
Total deposits $2.37 billion
      Interest-bearing deposits $2.19 billion
      Deposits held in domestic offices $2.37 billion
      % insured (estimated) 89.04%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.06 billion
      Total Liabilities $2.43 billion
      Shareholders’ Equity $0.31 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.03 billion
Total Interest Expense $0.01 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

Bank Loan Profile?

The top three loan types in Union Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Ohio, Union Savings Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 81.96
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 2.45
Construction and Development Loans 6.16
Commercial Real Estate 7.36
Commercial and Industrial Loans 0.47
Farm Loans 0.00

Frequently Asked Questions About Union Savings Bank

Branches and Savings

Is Union Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #32296.

Why does Union Savings Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Union Savings Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Union Savings Bank a commercial bank?


Where are Union Savings Bank locations?

See branch locations nearby.

Is Union Savings Bank open on Saturdays?

Is Union Savings Bank open on Sundays?

What time does Union Savings Bank open?

What time does Union Savings Bank close?

Are Union Savings Bank ATMs Open 24/7?

Do Union Savings Bank ATMs accept cash deposits?

Can Union Savings Bank customers use other ATMs?

Do Union Savings Bank branches have notaries?

Will Union Savings Bank notarize my document?

What address for Union Savings Bank should I put for incoming ACH transfers?

Will the Union Savings Bank branch print checks?

Do Union Savings Bank checks expire?

Does Union Savings Bank require US citizenship to open account?

Can Union Savings Bank close my account?

Does Union Savings Bank Report to credit bureaus?

Does Union Savings Bank Use Equifax?

What is Union Savings Bank's ACH Routing Number?

What is Union Savings Bank's SWIFT code?


Does Union Savings Bank offer mortgages?

Compare mortgage rates here.

Does Union Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Union Savings Bank offer personal loans?

Compare personal loan rates here.

Does Union Savings Bank offer student loans?

Will Union Savings Bank cash a check?

Will Union Savings Bank redeem a savings bond?

Does Union Savings Bank cash savings bonds?

Will Union Savings Bank cash money orders?

Can Union Savings Bank issue a money order?

Does Union Savings Bank do currency exchange?

Background on The Bank

Who owns Union Savings Bank?

How long has Union Savings Bank been around?

Can Union Savings Bank transfer to other banks?

Does Union Savings Bank have quick pay?

Does Union Savings Bank accept rolled coins?

Will Union Savings Bank accept loose change?

Where is Union Savings Bank headquarters?

Customer Reviews for Union Savings Bank

  • Autummoon

    February 08, 2019 |

    CDs 6 Month Rates

    I went to the Union Savings Bank branch this morning, they won't honor the 2.50% APY for 6 Month CD as posted her in the BestCashCow website. I was told that Union Savings doesn't post their rate online and doesn't match online rate from any back or online back.

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