UNION BANK, THE

BEULAH, ND | Small | Est. Jan. 1, 1899, midnight | FDIC #9420 | RSSD #852254 | FDIC
Latest Report: 2025-12-31

UNION BANK, THE is asn small FDIC-insured commercial bank headquartered in BEULAH, ND, established in Jan. 1, 1899, midnight. As of 2025-12-31, the bank reported total assets of $327M and total deposits of $277M. Profitability stands at 1.18% ROA and 13.46% ROE, with a net interest margin of 4.37%. The bank's CET1 capital ratio is 8.11%. Asset quality metrics show a non-performing loan ratio of 1.74% and a Texas Ratio of 11.40%. FDIC Certificate #9420.

Assets

$327M

Deposits

$277M

Loans

$204M

Equity

$29M

Profitability

Return on Assets (ROA) 1.18%
Return on Equity (ROE) 13.46%
Net Interest Margin (NIM) 4.37%
Yield on Assets 6.35%
Cost of Funds 2.00%

Asset Quality

NPL Ratio 1.74%
Net Charge-Off Ratio 0.07%
Texas Ratio 11.40%
NPA Ratio 1.08%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 8.11%
Tier 1 Capital 8.11%
Total Capital Ratio 8.52%
Leverage Ratio 9.43%
Loan-to-Deposit 73.54%

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