UNION NATIONAL BANK

ELGIN, IL | Small | Est. May 21, 1904, midnight | FDIC #3661 | RSSD #963730 | OCC
Latest Report: 2025-12-31

UNION NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in ELGIN, IL, established in May 21, 1904, midnight. As of 2025-12-31, the bank reported total assets of $377M and total deposits of $336M. Profitability stands at 1.47% ROA and 13.83% ROE, with a net interest margin of 4.54%. The bank's CET1 capital ratio is 15.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #3661.

Assets

$377M

Deposits

$336M

Loans

$326M

Equity

$38M

Profitability

Return on Assets (ROA) 1.47%
Return on Equity (ROE) 13.83%
Net Interest Margin (NIM) 4.54%
Yield on Assets 5.85%
Cost of Funds 1.36%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 15.39%
Tier 1 Capital 15.39%
Total Capital Ratio 16.65%
Leverage Ratio 10.02%
Loan-to-Deposit 96.95%

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