The Union Banking Company
Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (2.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.5 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 6.5, driven by a liquidity ratio of 26.8 percent and a “hot money” ratio of 27.0 percent. Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 38.7 and a capital leverage ratio of 11.2.
Asset Mix:
Securities (73%), home mtgs (9%), comm re (1%), cash (1%), consumer loans (0%), comm loans (0%), other (16%)
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.