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Savings institution, Cincinnati, OH
Union Savings Bank, Cincinnati, OH
A savings institution based in Cincinnati, OH. Its commercial book is led by non-owner-occupied CRE and construction. Public files show recent multifamily and 1-4 unit investor loans it made.
- Kind
- Savings institution
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $550M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 27
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $4.02B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number. Try the lender's website.
- Website
- www.unionsavingsbank.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- unionsavingsbank.comFrom the lender's website, retrieved November 11, 2026.
- Address
- 8805 Governors Hill Dr, Cincinnati, OH 45249FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 1 opened, 0 closed, 0 relocated.FDIC structure history. | FDIC history |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 5.2% to $241.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Construction and land development balance rose 2.8% to $168.7M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Multifamily balance rose 9.8% to $115M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 6.7% to $222.4M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| 2024 | Reported making 31 small business loans totaling $9M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
| 2023-10 to 2026-09 | Named as the lender on 4 mortgages recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Hamilton County, OH | Purchase, 100 to 149 units | $13M | 6.25% | 10 yr | 72% | HMDA 2025 |
| 2025 | Franklin County, OH | Purchase, 5 to 24 units | $4M | 7.5% | 30 yr | 71% | HMDA 2025 |
| 2025 | Warren County, OH | Purchase, 5 to 24 units | $3.5M | 7.5% | 10 yr | 75% | HMDA 2025 |
| 2025 | Hamilton County, OH | Purchase, 5 to 24 units | $3.5M | 6.5% | 10 yr | 60% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Cash-out refinance, 5 to 24 units | $2.4M | 7% | 30 yr | 46% | HMDA 2025 |
| 2025 | Butler County, OH | Purchase, 5 to 24 units | $2.1M | 6.88% | 25 yr | 75% | HMDA 2025 |
| 2025 | Kings County, NY | Refinance, 5 to 24 units | $1.2M | 7.5% | 10 yr | 62% | HMDA 2025 |
| 2025 | Cuyahoga County, OH | Purchase, 5 to 24 units | $1.1M | 7.25% | 25 yr | 75% | HMDA 2025 |
| 2025 | Montgomery County, OH | Purchase, 25 to 49 units | $1.1M | 7.25% | 10 yr | 38% | HMDA 2025 |
| 2025 | Franklin County, OH | Improvement, 5 to 24 units | $760K | 9.25% | 10 yr | 46% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Purchase, 5 to 24 units | $720K | 7.5% | 10 yr | 44% | HMDA 2025 |
| 2025 | Montgomery County, OH | Purchase, 5 to 24 units | $700K | 7% | 8 yr | 58% | HMDA 2025 |
| 2025 | Montgomery County, OH | Purchase, 5 to 24 units | $620K | 7.5% | 30 yr | 72% | HMDA 2025 |
| 2025 | Beaver County, PA | Cash-out refinance, 5 to 24 units | $600K | 7.5% | 30 yr | 80% | HMDA 2025 |
| 2025 | Clinton County, OH | Purchase, 5 to 24 units | $560K | 7.25% | 30 yr | 75% | HMDA 2025 |
| 2025 | Hamilton County, OH | Cash-out refinance, 5 to 24 units | $500K | 7.25% | 30 yr | 65% | HMDA 2025 |
| 2025 | Montgomery County, OH | Purchase, 5 to 24 units | $400K | 7.25% | 10 yr | 79% | HMDA 2025 |
| 2025 | Jefferson County, KY | Purchase, 5 to 24 units | $360K | 7.5% | 25 yr | 60% | HMDA 2025 |
| 2025 | Clermont County, OH | Improvement, 5 to 24 units | $300K | 9.5% | 10 yr | 56% | HMDA 2025 |
| 2025 | Butler County, PA | Improvement, 5 to 24 units | $300K | 9% | 10 yr | 75% | HMDA 2025 |
| 2025 | Hamilton County, OH | Cash-out refinance, 5 to 24 units | $280K | 9.25% | 10 yr | 53% | HMDA 2025 |
| 2025 | Washington County, PA | Purchase, 5 to 24 units | $280K | 7.25% | 30 yr | 80% | HMDA 2025 |
| 2025 | Mercer County, PA | Purchase, 5 to 24 units | $240K | 7.25% | 30 yr | 80% | HMDA 2025 |
| 2025 | Washington County, PA | Purchase, 5 to 24 units | $220K | 7.25% | 30 yr | 80% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Improvement, 5 to 24 units | $200K | 8.5% | 10 yr | 46% | HMDA 2025 |
| 27 multifamily loans made in 2025 | $39.3M | HMDA 2025 | |||||
A blank means the source did not report it.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 4 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name Union Savings Bank as the lender, totaling $8.10M.
| Property class | Mortgages | Dollars |
|---|---|---|
| Retail | 2 | $5.30M |
| Mixed use | 1 | $1.60M |
| Multifamily | 1 | $1.20M |
| Borough | Mortgages |
|---|---|
| Queens | 2 |
| Bronx | 1 |
| Brooklyn | 1 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $115M | 3.2% | +9.8% |
| Construction and land development | $169M | 4.8% | +2.8% |
| Owner-occupied CRE | $0 | 0.0% | Not reported |
| Non-owner-occupied CRE | $241M | 6.8% | +5.2% |
| Farmland | $333K | 0.0% | Not reported |
| Commercial and industrial | $25.1M | 0.7% | +7.0% |
| Commercial total | $550M |
Reference only: $3.00B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $532M |
| Q4 2023 | $529M |
| Q1 2024 | $527M |
| Q2 2024 | $524M |
| Q3 2024 | $517M |
| Q4 2024 | $515M |
| Q1 2025 | $510M |
| Q2 2025 | $522M |
| Q3 2025 | $542M |
| Q4 2025 | $539M |
| Q1 2026 | $545M |
| Q2 2026 | $550M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 27 | $39.3M | $595K | $13M | HMDA, |
| Multifamily, 5 or more units | 2024 | 34 | $22.3M | $430K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 627 | $135M | $165K | HMDA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
Programs on record: Federal Home Loan Bank member, Cincinnati district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- Union Savings Bank reported making 31 small business loans totaling $8,970,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 2 of $100,000 or less, 13 over $100,000 up to $250,000, 16 over $250,000 up to $1 million.
- 30 of them, totaling $8,720,000, went to businesses with revenue of $1 million or less.
- Union Savings Bank reported making 2 small farm loans totaling $300,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 0 of $100,000 or less, 2 over $100,000 up to $250,000, 0 over $250,000 up to $500,000.
- 2 of them, totaling $300,000, went to farms with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Montgomery County, OH | 6 | $1.51M |
| Hamilton County, OH | 5 | $1.65M |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: FDIC certificate (respondent ID) + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Union Savings Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $119,268,000 for 1-4 family residential construction and $103,157,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $0. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 1 | $17.0K |
| Over $100,000 up to $250,000 | 1 | $190K |
| Over $250,000 up to $1 million | 3 | $517K |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 16 | $855K |
| Over $100,000 up to $250,000 | 63 | $9.36M |
| Over $250,000 up to $1 million | 104 | $39.6M |
| Original amount | Loans | Holds |
|---|---|---|
| Over $100,000 up to $250,000 | 3 | $290K |
| Over $250,000 up to $500,000 | 1 | $43.0K |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Ohio HQ | 32 | 16 | 463 | 0 | 0 |
| Pennsylvania | 2 | 6 | 65 | 0 | 0 |
| Indiana | 5 | 0 | 69 | 0 | 0 |
| Kentucky | 0 | 1 | 10 | 0 | 0 |
| Florida | 0 | 0 | 11 | 0 | 0 |
| California | 0 | 3 | 3 | 0 | 0 |
| New York | 0 | 1 | 2 | 0 | 0 |
| North Carolina | 0 | 0 | 2 | 0 | 0 |
| Colorado | 0 | 0 | 1 | 0 | 0 |
| Michigan | 0 | 0 | 1 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Hamilton County, OH | 14 | $23.0M |
| Montgomery County, OH | 7 | $4.04M |
| Franklin County, OH | 6 | $7.68M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Cincinnati, OH-KY-IN | 20 | $30.3M |
| Columbus, OH | 10 | $9.68M |
| Dayton-Kettering-Beavercreek, OH | 8 | $4.23M |
| Pittsburgh, PA | 7 | $2.15M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Union Savings Bank has 39 offices in 18 counties and 3 states (FDIC Summary of Deposits, June 30, 2026): 39 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Hamilton County, OH | 9 | 0 |
| Franklin County, OH | 6 | 0 |
| Montgomery County, OH | 4 | 0 |
| Butler County, OH | 3 | 0 |
| Cuyahoga County, OH | 2 | 0 |
| Greene County, OH | 2 | 0 |
| Allegheny County, PA | 2 | 0 |
| Allen County, IN | 1 | 0 |
| Bartholomew County, IN | 1 | 0 |
| Johnson County, IN | 1 | 0 |
| Marion County, IN | 1 | 0 |
| Monroe County, IN | 1 | 0 |
| Clermont County, OH | 1 | 0 |
| Fairfield County, OH | 1 | 0 |
| Fayette County, OH | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $65.7M | $22.3M to $86.1M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 119.9% | 53.2% to 385.4% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 38.5% | 18.0% to 94.5% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 100.5% | 81.8% to 108.6% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $222M | $0 to $321M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 6.7% from a year earlier. | FDIC call report, |
| Loans to assets | 88.4% | 63.2% to 84.1% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Of 61 multifamily loans with a known channel in 2024 to 2025, 8 (13.1%) came through a third party. HMDA,
- Of 627 1-4 unit investor loans with a known channel in 2025, 20 (3.2%) came through a third party. HMDA,
Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Civista Bank | OH | $4.29B | $2.23B |
| First Federal Savings and Loan Association of Lakewood | OH | $2.94B | $589M |
| LCNB National Bank | OH | $2.22B | $1.19B |
| Guardian Savings Bank | OH | $1.39B | $90.2M |
| The Farmers & Merchants State Bank | OH | $3.49B | $1.87B |
| The Croghan Colonial Bank | OH | $1.41B | $700M |
| CFBank, National Association | OH | $2.17B | $1.36B |
| The Ohio Valley Bank Company | OH | $1.65B | $607M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers on any given deal. The public record shows only that some loans came through a third party.
Check this page
Against the regulator's own record
- Name and charter. Union Savings Bank, FDIC certificate 32296. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $4.02B in total assets and $550M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 688 recorded loans from the HMDA file, in 2024 and 2025: 27 HMDA multifamily 2025, 34 HMDA multifamily 2024, 627 HMDA 1-4 unit investor 2025. Each has its source and date. [How each file was tied to Union Savings Bank]
- Phone and website. No phone number is on record. Website unionsavingsbank.com, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 31 small business loans reported in its CRA filing for 2024. [Source]
- Recorded mortgages, New York City. 4 recorded mortgages in New York City under this name. [Source]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 32296
- RSSD
- 911973
- LEI
- 549300HFBEONQN2CK447
- The Lender Report ID
- lr_000471
- FDIC classifies this bank as
- Mortgage Lending Specialization
- Ownership
- Stock
- Head office metro area
- Cincinnati, OH-KY-IN
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $4B in total assets as of June 30, 2026 (FDIC call report).
- Held $550.3M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $241.1M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 5.2% from a year earlier (FDIC call report).
- Held $168.7M of construction and land loans as of June 30, 2026, up 2.8% from a year earlier (FDIC call report).
- Held $115M of multifamily loans as of June 30, 2026, up 9.8% from a year earlier (FDIC call report).
- Originated 27 multifamily loans totaling $39.3M in 2025 (HMDA).
9 more sentences
- Originated 34 multifamily loans totaling $22.3M in 2024 (HMDA).
- Originated 627 1-4 unit investor or business-purpose loans totaling $134.8M in 2025 (HMDA).
- Listed 39 offices in 3 states (FDIC).
- Reported making 31 small business loans totaling $9M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Reported making 2 small farm loans totaling $300K in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 5 commercial and industrial loans that were $1 million or less when made, with a balance of $724K as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 183 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $49.8M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $119.3M for 1-4 family and $103.2M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
- Named as the lender on 4 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $8.1M (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, Union Savings Bank, https://lender.report/lender/union-savings-bank-oh/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- FDIC Summary of Deposits, June 30, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem