The Union Banking Company
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (1.5) profitability.
Other Rating Factors:
A current level of 0.9 percent of nonperforming loans to core capital combined with 31.7 percent from a year earlier contributes to the Excellent asset quality (10.0). Excellent current capitalization (9.7 on a scale of 0 to 10) based on a risk-based capital ratio of 34.3 and a capital leverage ratio of 10.8.
Asset Mix:
Securities (71%), home mtgs (10%), comm re (1%), cash (1%), consumer loans (0%), other (17%)
States with Branches:
OH
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Union Bancorp, Inc.
Investment Rating
--
Address
105 East Center Street
West Mansfield, OH 43358
West Mansfield, OH 43358
Phone Number
(937) 355-6511
Year Founded
1928
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.