UNION BANK

GRAND RAPIDS, MI | Small | Est. Jan. 1, 1934, midnight | FDIC #14722 | RSSD #390840 | FDIC
Latest Report: 2025-12-31

UNION BANK is asn small FDIC-insured commercial bank headquartered in GRAND RAPIDS, MI, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $391M and total deposits of $319M. Profitability stands at 1.02% ROA and 12.62% ROE, with a net interest margin of 4.09%. The bank's CET1 capital ratio is 9.56%. Asset quality metrics show a non-performing loan ratio of 1.13% and a Texas Ratio of 9.73%. FDIC Certificate #14722.

Assets

$391M

Deposits

$319M

Loans

$306M

Equity

$32M

Profitability

Return on Assets (ROA) 1.02%
Return on Equity (ROE) 12.62%
Net Interest Margin (NIM) 4.09%
Yield on Assets 5.92%
Cost of Funds 1.89%

Asset Quality

NPL Ratio 1.13%
Net Charge-Off Ratio 0.12%
Texas Ratio 9.73%
NPA Ratio 0.88%
ACL / Loans 1.16%

Capital & Liquidity

CET1 Ratio 9.56%
Tier 1 Capital 9.56%
Total Capital Ratio 10.63%
Leverage Ratio 8.59%
Loan-to-Deposit 95.85%

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