The Union Bank Company: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The Union Bank Company spends more to run itself than most banks of its size. It reported $1.4 billion in assets at June 30, 2026, up 20.8% from a year earlier. It earns about $0.58 a year on every $100 of assets, about half the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it carries problem assets equal to 0.8% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Earnings fell sharply: quarterly net income of $2.0 million was 38% below a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $28 million equal 19% of Tier 1 capital, down from 38% a year earlier.
As of June 30, 2026, The Union Bank Company reported a CET1 capital ratio of 15.13%, a return on assets of 0.58%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.78%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 101 Progressive Dr, Columbus Grove, OH 45830
- County
- Putnam
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 21, 1904
- Offices
- 15 domestic
- Employees (FTE)
- 147
- Domestic deposits
- $1.19B
- Allowance for credit losses
- $9.0M
- Net charge-offs (YTD)
- $92K
- Average total assets
- $1.37B
- Average total loans
- $858.4M
- Average interest-bearing deposits
- $870.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12969
- Fed RSSD
- 780218
- SEC CIK
- 1087456 → filed by UNITED BANCSHARES, INC.
- Website
- www.theubank.com →
- Parent Holding Company
- UNITED BANCSHARES, INC. (RSSD 1136009) · UBOH
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Brian D Young | CEO | President/CEO |
| Klint D Manz | CFO | CFO/CLO |
| Brent D Nussbaum | COO | Chief Operations Officer |
| Teresa M Deitering | CCO | Chief Credit Officer |
| Stacey L Clemens | CRO | Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Union Bank Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Union Bank Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Union Bank Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.13% | 0.58% | 0.12% | 0.78% | 4.10% |
| Q1 2026 | 14.49% | 1.27% | 0.15% | 1.29% | 4.02% |
| Q4 2025 | 15.44% | 1.06% | 0.20% | 2.85% | 4.02% |
| Q3 2025 | 15.68% | 0.99% | 0.30% | 3.81% | 3.72% |
| Q2 2025 | 15.48% | 1.05% | 0.32% | 4.19% | 3.67% |
| Q1 2025 | 15.40% | 0.94% | 0.28% | 4.11% | 3.57% |
| Q4 2024 | 15.34% | 1.01% | 0.29% | 5.04% | 3.39% |
| Q3 2024 | 15.97% | 0.83% | 0.40% | 1.73% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 15 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lewis Center Branch | Delaware , OH | 43015 | $131.4M |
| The Union Bank Company | Columbus Grove , OH | 45830 | $128.3M |
| Kalida Branch | Kalida , OH | 45853 | $116.6M |
| Leipsic Branch | Leipsic , OH | 45856 | $115.1M |
| Lima West Branch | Lima , OH | 45805 | $88.6M |
| Delphos Branch | Delphos , OH | 45833 | $87.1M |
| Ottawa Branch | Ottawa , OH | 45875 | $85.7M |
| Lima East Branch | Lima , OH | 45804 | $83.8M |
| Paulding Branch | Paulding , OH | 45879 | $72.9M |
| Pemberville Branch | Pemberville , OH | 43450 | $63.1M |
| Marion Downtown Branch | Marion , OH | 43302 | $56.9M |
| Bowling Green Branch | Bowling Green , OH | 43402 | $56.4M |
| Gibsonburg Branch | Gibsonburg , OH | 43431 | $56.2M |
| Findlay Branch | Findlay , OH | 45840 | $49.5M |
| Otterbein-Portage Valley Branch | Pemberville , OH | 43450 | $2K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 9, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 9, 2017 | Structure Change | Acquired Benchmark Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 15, 2014 | Structure Change | Acquired The Ohio State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 14, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 7, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 7, 2003 | Structure Change | Acquired Citizens Bank of Delphos Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for The Union Bank Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in OH, rank 32 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,040 applications, 794 loans originated, $169.4M originated, across 38 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $4.1M approved, $1.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Union Bank Company
What are The Union Bank Company's total assets?
As of the Q2 2026 filing, The Union Bank Company reported total assets of $1.44 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Union Bank Company headquartered?
The Union Bank Company is headquartered in Columbus Grove, OH, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Union Bank Company founded?
The Union Bank Company was established in 1904, per the FDIC institution directory.
Is The Union Bank Company FDIC-insured?
Yes. The Union Bank Company is an FDIC-insured commercial bank (FDIC Certificate #12969). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Union Bank Company?
The Union Bank Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Union Bank Company's CET1 capital ratio?
The Union Bank Company reported a Common Equity Tier 1 (CET1) capital ratio of 15.13% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Union Bank Company operate?
The Union Bank Company operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Union Bank Company's Texas Ratio?
The Union Bank Company's Texas Ratio is 0.78% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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