This institution is no longer active

Operations ceased on June 22, 2012. CRA examination history below reflects the period it was active.

UNION BANK

OLIVETTE, MO · Supervised by FDIC

Est. 1965FDIC #19,582RSSD: FDIC-19582

Part ofFIRST OLATHE BANCSHARES INC→ View all charters

Outstanding Same

Current rating · Exam: November 2009

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -1.43%

Institution Profile

FDIC BankFind

Address

1188 Walters Way Lane, OLIVETTE, MO

County

St. Louis County

Established

November 9, 1965

Total Assets

$456M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

November 1, 2009

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 16 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2012Call Report / FDIC

Total Assets

$456M

Total Deposits

$414M

Net Loans

$323M

Net Income

$-1,640K

ROA

-1.43%

Below avg for Small banks. Peer avg: 0.44%

ROE

-38.30%

Risk-Based Capital

5.44%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-1.43%Peer avg: 0.44%▼ Below avg

Risk-Based Capital5.44%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Nov 2009	Outstanding	Intermediate Small Bank
Aug 2006	Outstanding	Intermediate Small Bank
Jun 2003	Satisfactory	Large Bank

5 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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