B
Union Bank, Inc.
Rating Date
June 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Union Bank, Inc.
Middlebourne, WV
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Rating B
Asset Quality Index 7.90
Capitalization Index 7.50
Liquidity Index 4.40
Profitability Index 6.10
Stability Index 4.30
Company Info Union Bank, Inc.
Middlebourne, WV
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FDIC Number 16620
Phone Number (304) 758-2191
Website www.hometownbanc.bank/
Asset Quality Union Bank, Inc.
Middlebourne, WV
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1-Year Asset Growth 16.10%
5-Year Asset Growth 11.12%
5-Year Charge-Offs to Average Loans 0.35%
Charge-Offs to Average Loans 0.11%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 1.47%
Non-Performing Loans to Loans 0.41%
Balance Sheet Union Bank, Inc.
Middlebourne, WV
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Total Assets 453.43M
Total Deposits 419.06M
Capital and Reserves Union Bank, Inc.
Middlebourne, WV
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Capital 31.28M
Leverage Ratio 9.34
Loan Loss Reserves to Loans 0.81%
Risk-Based Capital Ratio --
Liquidity Union Bank, Inc.
Middlebourne, WV
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Hot Money Ratio 8.02%
Liquidity Ratio 19.10%
Profitability Union Bank, Inc.
Middlebourne, WV
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5-Year Return on Average Assets 1.35%
Net Income 1.79M
Net Interest Spread 3.24%
Operating Profit to Average Assets 1.70%
Overhead Efficiency Ratio 50.05%
Return on Assets 1.70%
Return on Equity 23.33%