The Union Bank
Total assets
$312.2M
▲ +0.8% YoY
Deposits
$266.2M
▼ -3.0% YoY
Loans
$193.0M
▲ +2.8% YoY
Offices
6
UNION HOLDING CO
ROA (annualized)
1.41%
peers 1.24%
ROE (annualized)
15.47%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | The Union Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.4% | -3.6 pts |
| Deposit growth (YoY) | -3.0% | +4.0% | -6.9 pts |
| Loan growth (YoY) | +2.8% | +5.6% | -2.7 pts |
| ROA | 1.41% | 1.24% | +0.2 pts |
| ROE | 15.5% | 11.9% | +3.6 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
Profile
- Established
- 1899
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- UNION HOLDING CO
- Specialization
- Agricultural Specialization
- Address
- 1700 Highway 49 N, Beulah, ND, 58523
- County
- Mercer
- Offices
- 6
- FDIC cert #
- 9420
- RSSD ID
- 852254
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $312.2M | $266.2M | $193.0M | $30.2M | $2.3M | 1.41% | 4.35% | 0.86% |
| Q1 2026 | $325.4M | $294.2M | $194.2M | $28.6M | $1.4M | 1.73% | 4.29% | 0.83% |
| Q4 2025 | $327.2M | $277.3M | $201.8M | $29.0M | $3.2M | 1.03% | 4.16% | 1.08% |
| Q3 2025 | $314.6M | $280.0M | $190.3M | $27.5M | $2.2M | 0.98% | 4.11% | 1.63% |
| Q2 2025 | $309.7M | $274.3M | $187.7M | $26.4M | $1.5M | 0.98% | 4.12% | 1.37% |
| Q1 2025 | $305.2M | $277.3M | $183.7M | $26.0M | $588K | 0.79% | 3.86% | 1.72% |
| Q4 2024 | $293.0M | $265.7M | $190.5M | $25.7M | $2.2M | 0.75% | 3.68% | 1.62% |
| Q3 2024 | $293.4M | $263.6M | $190.3M | $27.7M | $1.5M | 0.72% | 3.65% | 1.72% |
Loan mix (Q2 2026): real estate $119.6M · commercial $8.8M · consumer $11.0M · securities $96.8M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | The Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.24% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.96% | 71th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 62.9% | 60th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | The Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | The Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | The Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | The Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- First State BankBuxton, ND · $424.2M
- Astra BankScandia, KS · $423.3M
- River City BankRome, GA · $423.4M
- Heritage Bank of the OzarksLebanon, MO · $424.0M
- Sugar River BankNewport, NH · $424.3M
- Centinel Bank of TaosTaos, NM · $424.8M
Selling to The Union Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.