UNION BANK, INC.

MIDDLEBOURNE, WV | Small | RSSD #667029
Latest Report: 2025-12-31

UNION BANK, INC. is asn small FDIC-insured commercial bank headquartered in MIDDLEBOURNE, WV. As of 2025-12-31, the bank reported total assets of $415M and total deposits of $377M. Profitability stands at 1.88% ROA and 21.94% ROE, with a net interest margin of 3.58%. The bank's CET1 capital ratio is 5.16%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.98% and a Texas Ratio of 4.63%.

Assets

$415M

Deposits

$377M

Loans

$173M

Equity

$35M

Profitability

Return on Assets (ROA) 1.88%
Return on Equity (ROE) 21.94%
Net Interest Margin (NIM) 3.58%
Yield on Assets 4.87%
Cost of Funds 1.31%

Asset Quality

NPL Ratio 0.98%
Net Charge-Off Ratio 0.06%
Texas Ratio 4.63%
NPA Ratio 0.41%
ACL / Loans 0.89%

Capital & Liquidity

CET1 Ratio 5.16%
Tier 1 Capital 5.16%
Total Capital Ratio 5.42%
Leverage Ratio 9.03%
Loan-to-Deposit 45.79%

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