Union Bank (Mena, AR)
BankRegReports is independent of Union Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Union Bank is an FDIC-insured commercial bank headquartered in Mena, AR, established in 1934 (FDIC certificate 14597), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $710.2M, up 9.0% from Q2 2025, the 31st largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 19.50% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 14597
- Headquarters
- Mena, AR
- Established
- 1934
- Total assets, Q2 2026
- $710.2M
- Assets vs Q2 2025
- +9.0%
- CET1 ratio, Q2 2026
- 19.50%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 082900982
- Latest call report
- Q2 2026, FFIEC 051 · Union Bank call report
- Holding company
- UNION BANKSHARES, INC.
- Asset rank in state
- 31st of 78 in Arkansas
Union Bank is one of the more profitable banks of its size. Based in Mena, Arkansas, it had $710 million in assets at June 30, 2026, up 9.0% from a year earlier. It earns about $2.48 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.75 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents). Much of that comes from cost control: it spends about 50 cents to bring in each dollar of revenue.
Net income for the quarter rose 18% from a year earlier, to $4.4 million. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.26% of loans, down from 0.36% a year earlier.
As of June 30, 2026, Union Bank reported a CET1 capital ratio of 19.50%, a return on assets of 2.48%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 1.60%. The figures come from its call report filed with the FFIEC.
Union Bank ranks as the 31st largest of the 78 banks based in Arkansas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets were flat, loans rose 2.3% and deposits fell 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 47.4% of total loans, followed by farmland and other real estate loans at 12.0%. Its 10 offices in the FDIC Summary of Deposits are in 10 cities in AR; its Mena office books 52% of its branch deposits. On its Q2 2026 call report, Union Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 303 Highway 71 N, Mena, AR 71953
- County
- Polk
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 25, 1934
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 120
- Domestic deposits
- $625.9M
- Allowance for credit losses
- $7.4M
- Net charge-offs (YTD)
- $148K
- Average total assets
- $711.8M
- Average total loans
- $479.7M
- Average interest-bearing deposits
- $461.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 26, 1934
- FDIC Cert
- 14597
- Fed RSSD
- 86349
- Website
- www.gounion.bank →
- Parent Holding Company
- UNION BANKSHARES, INC. (RSSD 1099805)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Union Bank's total assets ranged from $354.9M (Q3 2023) to $710.2M (Q2 2026), 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
$710.2M total assets against $651.5M; $630.3M total liabilities against $580.7M.
$479.2M net loans and leases against $440.9M; $625.9M total deposits against $576.5M.
$153.5M securities against $141.1M; $54.1M cash and balances due against $46.5M.
$10.5M total interest income against $9.6M; $2.5M total interest expense against $2.6M.
$8.0M net interest income against $7.1M.
$1.5M total noninterest income against $1.4M; $4.8M total noninterest expense against $4.5M.
$235K provision for credit losses against $232K.
$4.4M net income against $3.7M.
2.48% return on assets against 2.27%; 4.75% net interest margin against 4.48%.
19.50% CET1 capital ratio against 18.77%; 11.40% tier 1 leverage ratio against 11.38%.
Inside the full Union Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnion Bank rankings
Its closest position to the top of a national ranking is 169 of 3,611, for ROA; its furthest is 2,424 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.84% (Q3 2024) to 2.48% (Q2 2026) and its net interest margin ran from 4.23% (Q4 2024) to 4.76% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.50% | 2.48% | 0.26% | 1.60% | 4.75% |
| Q1 2026 | 18.80% | 2.37% | 0.26% | 1.63% | 4.74% |
| Q4 2025 | 18.02% | 2.23% | 0.31% | 1.99% | 4.76% |
| Q3 2025 | 19.06% | 2.37% | 0.28% | 1.78% | 4.71% |
| Q2 2025 | 18.77% | 2.27% | 0.36% | 2.51% | 4.48% |
| Q1 2025 | 18.83% | 2.16% | 0.24% | 1.82% | 4.31% |
| Q4 2024 | 18.72% | 2.03% | 0.76% | 4.99% | 4.23% |
| Q3 2024 | 19.33% | 1.84% | 0.27% | 1.75% | 4.27% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Union Bank (main office) | Mena , AR | 71953 | $326.7M |
| Paris Branch | Paris , AR | 72855 | $88.2M |
| Waldron Branch | Waldron , AR | 72958 | $72.1M |
| Booneville Branch | Booneville , AR | 72927 | $46.7M |
| Ozark Branch | Ozark , AR | 72949 | $25.4M |
| Wickes Teller Window Branch | Wickes , AR | 71973 | $23.0M |
| Clarskville Branch | Clarksville , AR | 72830 | $17.1M |
| Hatfield Branch | Hatfield , AR | 71945 | $13.0M |
| Caulksville-Ratcliff Branch | Caulksville , AR | 72951 | $10.4M |
| Russellville Branch | Russellville , AR | 72801 | $3.3M |
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 |
|---|---|---|---|
| February 17, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 17, 2024 | Structure Change | Acquired The First National Bank at Paris 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in AR, rank 35 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 454 applications, 448 loans originated, $69.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $746K approved, $249K average. 33.33% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Union Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Union Bank
What are Union Bank's total assets?
As of the Q2 2026 filing, Union Bank reported total assets of $710.2 million in its FFIEC call report.
Where is Union Bank headquartered?
It is headquartered in Mena, AR, United States.
When was Union Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Union Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14597). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Union Bank?
Union Bank's primary federal regulator is the Federal Reserve.
What is Union Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Union Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Union Bank's Texas Ratio?
Its Texas Ratio is 1.60% 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.
Go deeper on Union Bank.
Get an email when Union Bank files its next call report, and benchmark it against any peer you choose.
Unlock Union Bank, freeFree account