C
Union Bank
Rating Date
October 2025
Risk Based
Capital Ratio
12.94
Leverage
Ratio
7.49
Return On
Assets
0.76%
Total
Assets
1.57B
Capital
93.36M
Total
Deposits
1.19B
Net
Income
8.98M
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Weiss Ratings Union Bank
Morrisville, VT 		Click to
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Rating C
Asset Quality Index 5.80
Capitalization Index 5.50
Liquidity Index 3.10
Profitability Index 3.60
Stability Index 4.10
Company Info Union Bank
Morrisville, VT 		Click to
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FDIC Number 14158
Phone Number (802) 888-6600
Website www.ublocal.com
Asset Quality Union Bank
Morrisville, VT 		Click to
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1-Year Asset Growth 3.57%
5-Year Asset Growth 15.02%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.08%
Non-Performing Loans to Capital 11.97%
Non-Performing Loans to Loans 1.44%
Balance Sheet Union Bank
Morrisville, VT 		Click to
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Total Assets 1.57B
Total Deposits 1.19B
Capital and Reserves Union Bank
Morrisville, VT 		Click to
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Capital 93.36M
Leverage Ratio 7.49
Loan Loss Reserves to Loans 0.71%
Risk-Based Capital Ratio 12.94
Liquidity Union Bank
Morrisville, VT 		Click to
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Hot Money Ratio 14.65%
Liquidity Ratio 13.96%
Profitability Union Bank
Morrisville, VT 		Click to
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5-Year Return on Average Assets 1.03%
Net Income 8.98M
Net Interest Spread 2.99%
Operating Profit to Average Assets 0.83%
Overhead Efficiency Ratio 74.29%
Return on Assets 0.76%
Return on Equity 13.81%