🏦Bank Scorer

UNION SAVINGS BANK

CINCINNATI, OH · Supervised by FDIC

Est. 1904FDIC #32,296RSSD: FDIC-32296
Satisfactory Same

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.24%

Institution Profile

FDIC BankFind

Address

8805 Governors Hill Dr, CINCINNATI, OH

County

Hamilton County

Established

March 1, 1904

Total Assets

$4.0B(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

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$4.0B

Total Deposits

$3.5B

Net Loans

$3.5B

Net Income

$23M

ROA

2.24%

Above avg for Community banks. Peer avg: 0.90%

ROE

22.09%

Risk-Based Capital

0.00%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA2.24%Peer avg: 0.90%▲ Above avg
Risk-Based Capital0.00%Peer avg: 12.91%▼ Below avg
Mortgage Denial Rate7.80%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

39

Branch Deposits

$3.4B

1-Year Change

+1

5-year net change: +4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20239,98276.88%7.80%
202215,67378.53%10.18%
202134,19284.44%7.97%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
May 2024SatisfactoryLarge Bank
Nov 2022SatisfactoryLarge Bank
Jun 2019SatisfactoryLarge Bank

2 previous ratings locked — back to 2014

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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