UNION BANK

MORRISVILLE, VT | Large | Est. Jan. 1, 1891, midnight | FDIC #14158 | RSSD #333203 | FDIC
Latest Report: 2025-12-31

UNION BANK is aln large FDIC-insured commercial bank headquartered in MORRISVILLE, VT, established in Jan. 1, 1891, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.2B. Profitability stands at 0.74% ROA and 12.46% ROE, with a net interest margin of 3.08%. The bank's CET1 capital ratio is 11.87%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.15% and a Texas Ratio of 12.86%. FDIC Certificate #14158.

Assets

$1.6B

Deposits

$1.2B

Loans

$1.2B

Equity

$97M

Profitability

Return on Assets (ROA) 0.74%
Return on Equity (ROE) 12.46%
Net Interest Margin (NIM) 3.08%
Yield on Assets 5.33%
Cost of Funds 2.85%

Asset Quality

NPL Ratio 1.15%
Net Charge-Off Ratio 0.00%
Texas Ratio 12.86%
NPA Ratio 0.84%
ACL / Loans 0.71%

Capital & Liquidity

CET1 Ratio 11.87%
Tier 1 Capital 11.87%
Total Capital Ratio 12.81%
Leverage Ratio 7.36%
Loan-to-Deposit 96.98%

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