Union Bank
Total assets
$1.56B
▲ +5.3% YoY
Deposits
$1.10B
▼ -0.7% YoY
Loans
$1.12B
▲ +0.9% YoY
Offices
21
UNION BANKSHARES INC
ROA (annualized)
0.80%
peers 1.26%
ROE (annualized)
12.83%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Union Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +5.5% | -0.1 pts |
| Deposit growth (YoY) | -0.7% | +5.1% | -5.7 pts |
| Loan growth (YoY) | +0.9% | +5.9% | -5.0 pts |
| ROA | 0.80% | 1.26% | -0.5 pts |
| ROE | 12.8% | 12.2% | +0.7 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
Profile
- Established
- 1891
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- UNION BANKSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 20 Main St, Morrisville, VT, 05661
- County
- Lamoille
- Offices
- 21
- FDIC cert #
- 14158
- RSSD ID
- 333203
- 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 | $1.56B | $1.10B | $1.12B | $106.1M | $6.4M | 0.80% | 3.12% | 0.97% |
| Q1 2026 | $1.62B | $1.20B | $1.18B | $96.4M | $3.2M | 0.80% | 3.02% | 0.82% |
| Q4 2025 | $1.62B | $1.22B | $1.17B | $97.0M | $11.9M | 0.77% | 3.04% | 0.85% |
| Q3 2025 | $1.57B | $1.19B | $1.17B | $93.4M | $9.0M | 0.78% | 3.04% | 0.86% |
| Q2 2025 | $1.48B | $1.11B | $1.11B | $86.5M | $5.3M | 0.70% | 3.00% | 1.03% |
| Q1 2025 | $1.52B | $1.19B | $1.16B | $85.7M | $2.7M | 0.71% | 2.93% | 0.98% |
| Q4 2024 | $1.53B | $1.17B | $1.16B | $82.4M | $9.7M | 0.66% | 2.86% | 0.12% |
| Q3 2024 | $1.52B | $1.18B | $1.12B | $88.1M | $6.4M | 0.59% | 2.81% | 0.13% |
Loan mix (Q2 2026): real estate $1.05B · commercial $30.6M · consumer $2.0M · securities $307.8M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 1.26% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 12.2% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.70% | 20th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.0% | 59.0% | 89th | |
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 | 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 | 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 | 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 | 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.
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