C
Union Bank
Rating Date
August 2026
Risk Based
Capital Ratio
13.73
Leverage
Ratio
7.82
Return On
Assets
0.77%
Total
Assets
1.56B
Capital
106.08M
Total
Deposits
1.10B
Net
Income
6.41M
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Weiss Ratings Union Bank
Morrisville, VT 		Click to
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Rating C
Asset Quality Index 5.20
Capitalization Index 5.80
Liquidity Index 3.30
Profitability Index 3.60
Stability Index 4.90
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 5.32%
5-Year Asset Growth 9.59%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.17%
Non-Performing Loans to Capital 12.06%
Non-Performing Loans to Loans 1.62%
Balance Sheet Union Bank
Morrisville, VT 		Click to
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Total Assets 1.56B
Total Deposits 1.10B
Capital and Reserves Union Bank
Morrisville, VT 		Click to
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Capital 106.08M
Leverage Ratio 7.82
Loan Loss Reserves to Loans 0.75%
Risk-Based Capital Ratio 13.73
Liquidity Union Bank
Morrisville, VT 		Click to
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Hot Money Ratio 14.47%
Liquidity Ratio 15.67%
Profitability Union Bank
Morrisville, VT 		Click to
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5-Year Return on Average Assets 0.90%
Net Income 6.41M
Net Interest Spread 3.03%
Operating Profit to Average Assets 0.86%
Overhead Efficiency Ratio 75.99%
Return on Assets 0.77%
Return on Equity 12.94%