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 Very Weak overall stability index (0.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (2.5) profitability.
Other Rating Factors:
Good liquidity 6.3, driven by a liquidity ratio of 21.7 percent and a “hot money” ratio of 27.1 percent. Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 36.4 and a capital leverage ratio of 11.1.
Asset Mix:
Securities (73%), home mtgs (8%), comm re (2%), cash (1%), consumer loans (0%), comm loans (0%), other (15%)
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
No affiliate information available.