The Union Bank

BankBeulah, North Dakota
www.theunionbank.com

Total Assets

$327.2M

Total Deposits

$277.3M

Branches

6

Established

1899

TFS Health Grade

$
D

65.2 / 100

Below average financial health

How we grade

The Union Bank is a bank headquartered in Beulah, North Dakota, established in 1899. With $327.2M in total assets and 6 branch locations, it has a TFS Financial Health Grade of D (65.2/100).

Capital & Safety

Tier 1 Capital Ratio
9.43%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.74%

Profitability

Return on Assets (ROA)
1.03%(1%)
Return on Equity (ROE)
11.84%(10%)
Net Interest Margin
4.16%
Efficiency Ratio
65.15%(60%)

Lending & Liquidity

Total Loans
$203.9M
Loan-to-Deposit Ratio
72.78%
Net Charge-Off Ratio
0.07%

Growth

Asset Growth (YoY)
+11.65%
Deposit Growth (YoY)
+4.37%
Net Income
$3.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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