UNB BANK

MOUNT CARMEL, PA | Small | Est. Jan. 1, 1906, midnight | FDIC #7631 | RSSD #249416 | FDIC
Latest Report: 2025-12-31

UNB BANK is asn small FDIC-insured commercial bank headquartered in MOUNT CARMEL, PA, established in Jan. 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $169M and total deposits of $158M. Profitability stands at 0.19% ROA and 3.12% ROE, with a net interest margin of 2.57%. The bank's CET1 capital ratio is 6.12%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.17%. FDIC Certificate #7631.

Assets

$169M

Deposits

$158M

Loans

$89M

Equity

$10M

Profitability

Return on Assets (ROA) 0.19%
Return on Equity (ROE) 3.12%
Net Interest Margin (NIM) 2.57%
Yield on Assets 3.95%
Cost of Funds 1.37%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.17%
NPA Ratio 0.01%
ACL / Loans 0.86%

Capital & Liquidity

CET1 Ratio 6.12%
Tier 1 Capital 6.12%
Total Capital Ratio 6.43%
Leverage Ratio 9.29%
Loan-to-Deposit 56.27%

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