The Union Banking Company
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Data as of · sourced from FFIEC call reports. How we update
The Union Banking Company is an FDIC-insured commercial bank headquartered in West Mansfield, OH, established in 1928 (FDIC certificate 15326), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $54.5M, up 8.5% from Q2 2025, the 149th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 33.90% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15326
- Headquarters
- West Mansfield, OH
- Established
- 1928
- Total assets, Q2 2026
- $54.5M
- Assets vs Q2 2025
- +8.5%
- CET1 ratio, Q2 2026
- 33.90%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 044107778
- Latest call report
- Q2 2026, FFIEC 051 · The Union Banking Company call report
- Holding company
- UNION BANCORP, INC.
- Asset rank in state
- 149th of 154 in Ohio
The Union Banking Company, based in West Mansfield, Ohio, reported $55 million in assets at June 30, 2026, up 8.5% from a year earlier. It keeps 1.92 cents of net interest income on every dollar of earning assets, about half the median of 3.87 cents for the 583 banks with less than $100 million in assets. It also grew its loan book 38.7% over the year, 15.1 times the median of 2.6% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $5.1 million equal 79% of Tier 1 capital, down from 98% a year earlier. Loans are outrunning deposits: over the year loans rose 38.7% and deposits rose 8.1%. Profitability lags: it earns about $0.33 a year on every $100 of assets, about a third the median of $1.06 for banks its size.
As of June 30, 2026, The Union Banking Company reported a CET1 capital ratio of 33.90%, a return on assets of 0.33%, a nonperforming-loan ratio of 0.67% and a Texas ratio of 4.12%. The figures come from its call report filed with the FFIEC.
The Union Banking Company ranks as the 149th largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.9% to $54.5M, loans rose 2.1% and deposits rose 1.5%. 1-4 family residential loans made up 62.8% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 18.1%. Its 2 offices in the FDIC Summary of Deposits are in West Mansfield, OH and Belle Center, OH; its West Mansfield office books 73% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Union Banking Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 105 East Center Street, West Mansfield, OH 43358
- County
- Logan
- Metro Area
- Bellefontaine, OH
- 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
- January 1, 1928
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $45.4M
- Allowance for credit losses
- $84K
- Net charge-offs (YTD)
- $0
- Average total assets
- $59.6M
- Average total loans
- $8.5M
- Average interest-bearing deposits
- $38.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 23, 1935
- FDIC Cert
- 15326
- Fed RSSD
- 289225
- Website
- www.bankatubc.com →
- Parent Holding Company
- UNION BANCORP, INC. (RSSD 1071614)
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
Over the 12 quarters to Q2 2026, The Union Banking Company's total assets ran between $50.3M (Q2 2025) and $54.5M (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
$54.5M total assets against $50.3M; $53.2M total liabilities against $50.2M.
$8.4M net loans and leases against $6.0M; $45.4M total deposits against $42.0M.
$38.6M securities against $36.6M; $5.2M cash and balances due against $5.4M.
$490K total interest income against $459K; $228K total interest expense against $234K.
$262K net interest income against $225K.
$17K total noninterest income against $17K; $225K total noninterest expense against $206K.
$5K provision for credit losses against $0.
$49K net income against $36K.
0.33% return on assets against 0.25%; 1.92% net interest margin against 1.71%.
33.90% CET1 capital ratio against 38.23%; 10.77% tier 1 leverage ratio against 11.20%.
Inside the full The Union Banking Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.07% (Q4 2024) to 0.33% (Q2 2026) and its net interest margin ran from 1.61% (Q3 2025) to 1.92% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 33.90% | 0.33% | 0.67% | 4.12% | 1.92% |
| Q1 2026 | 33.99% | 0.10% | 1.74% | 13.70% | 1.74% |
| Q4 2025 | 37.22% | 0.08% | 0.81% | 3.90% | 1.62% |
| Q3 2025 | 37.29% | 0.10% | 0.95% | 4.64% | 1.61% |
| Q2 2025 | 38.23% | 0.25% | 0.97% | 31.72% | 1.71% |
| Q1 2025 | 36.01% | 0.28% | 0.86% | 19.54% | 1.72% |
| Q4 2024 | 35.98% | 0.07% | 0.86% | -50.83% | 1.66% |
| Q3 2024 | 36.07% | 0.26% | 0.90% | 3.96% | 1.70% |
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 |
|---|---|---|---|
| The Union Banking Company | West Mansfield , OH | 43358 | $33.2M |
| Belle Center Branch | Belle Center , OH | 43310 | $12.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 172 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 The Union Banking Company
What are The Union Banking Company's total assets?
As of the Q2 2026 filing, The Union Banking Company reported total assets of $54.5 million in its FFIEC call report.
Where is The Union Banking Company headquartered?
It is headquartered in West Mansfield, OH, United States.
When was The Union Banking Company founded?
It was established in 1928, per the FDIC institution directory.
Is The Union Banking Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15326). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Union Banking Company?
The Union Banking Company's primary federal regulator is the FDIC.
What is The Union Banking Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 33.90% 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 Banking Company 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 The Union Banking Company's Texas Ratio?
Its Texas Ratio is 4.12% 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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