Unb Bank
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Data as of · sourced from FFIEC call reports. How we update
Unb Bank is an FDIC-insured commercial bank headquartered in Mount Carmel, PA, established in 1906 (FDIC certificate 7631), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $167.3M, down 1.6% from Q2 2025, the 97th largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.33% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 7631
- Headquarters
- Mount Carmel, PA
- Established
- 1906
- Total assets, Q2 2026
- $167.3M
- Assets vs Q2 2025
- -1.6%
- Tier 1 leverage ratio, Q2 2026
- 9.33%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 031303093
- Holding company
- UNB CORP
- Asset rank in state
- 97th of 109 in Pennsylvania
Unb Bank spends more to run itself than most banks of its size. Its balance sheet stood at $167 million at June 30, 2026, down 1.6% from a year earlier; it is based in Mount Carmel, Pennsylvania. It earns about $0.24 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 91 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $100,000, 56% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $7.0 million equal 45% of Tier 1 capital, down from 52% a year earlier. Its margin is thin by comparison: it keeps 2.64 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Unb Bank reported a return on assets of 0.24%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 1.03%. The figures come from its call report filed with the FFIEC.
Unb Bank ranks as the 97th largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.5% to $167.3M, loans rose 0.8% and deposits rose 0.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 82.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 5.9%. Its 2 offices in the FDIC Summary of Deposits are in Mount Carmel, PA and Catawissa, PA; its Mount Carmel office books 86% of its branch deposits. On its Q2 2026 call report, Unb Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1 N Oak St, Mount Carmel, PA 17851
- County
- Northumberland
- Metro Area
- Sunbury, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $156.4M
- Allowance for credit losses
- $763K
- Net charge-offs (YTD)
- $5K
- Average total assets
- $166.4M
- Average total loans
- $89.3M
- Average interest-bearing deposits
- $108.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7631
- Fed RSSD
- 249416
- Website
- http://www.unb.bank →
- Parent Holding Company
- UNB CORP (RSSD 1249945)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Unb Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Unb Bank's total assets ranged from $159.8M (Q3 2023) to $170.1M (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$167.3M total assets against $170.1M; $157.3M total liabilities against $161.0M.
$89.5M net loans and leases against $86.2M; $156.4M total deposits against $160.0M.
$61.4M securities against $47.8M; $8.6M cash and balances due against $28.1M.
$1.6M total interest income against $1.5M; $495K total interest expense against $552K.
$1.1M net interest income against $972K.
$118K total noninterest income against $120K; $1.1M total noninterest expense against $1.0M.
$0 provision for credit losses against $0.
$100K net income against $64K.
0.24% return on assets against 0.15%; 2.64% net interest margin against 2.34%.
9.33% tier 1 leverage ratio against 9.12%.
Inside the full Unb Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnb Bank rankings
Its closest position to the top of a national ranking is 2,662 of 3,640, for Texas Ratio; its furthest is 3,488 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.03% (Q1 2026) to 0.24% (Q2 2026) and its net interest margin ran from 2.17% (Q4 2024) to 2.64% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.33% | 0.24% | 0.12% | 1.03% | 2.64% |
| Q1 2026 | 9.29% | 0.03% | 0.10% | 0.81% | 2.50% |
| Q4 2025 | 9.29% | 0.19% | 0.07% | 0.58% | 2.43% |
| Q3 2025 | 9.28% | 0.19% | 0.06% | 0.51% | 2.44% |
| Q2 2025 | 9.12% | 0.15% | 0.30% | 2.69% | 2.34% |
| Q1 2025 | 9.45% | 0.04% | 0.02% | 0.18% | 2.21% |
| Q4 2024 | 9.28% | 0.21% | 0.02% | 0.16% | 2.17% |
| Q3 2024 | 9.37% | 0.07% | 0.05% | 0.39% | 2.25% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Unb Bank (main office) | Mount Carmel , PA | 17851 | $134.8M |
| Numidia Branch | Catawissa , PA | 17820 | $21.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 117 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 66 applications, 55 loans originated, $9.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Unb Bank
What are Unb Bank's total assets?
As of the Q2 2026 filing, Unb Bank reported total assets of $167.3 million in its FFIEC call report.
Where is Unb Bank headquartered?
It is headquartered in Mount Carmel, PA, United States.
When was Unb Bank founded?
It was established in 1906, per the FDIC institution directory.
Is Unb Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7631). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Unb Bank?
Unb Bank's primary federal regulator is the FDIC.
How many branches does Unb Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Unb Bank's Texas Ratio?
Its Texas Ratio is 1.03% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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