Union Bank

BankMorrisville, Vermont
www.ublocal.com

Total Assets

$1.6B

Total Deposits

$1.2B

Branches

21

Established

1891

TFS Health Grade

$
D+

68.3 / 100

Below average financial health

How we grade

Union Bank is a bank headquartered in Morrisville, Vermont, established in 1891. With $1.6B in total assets and 21 branch locations, it has a TFS Financial Health Grade of D+ (68.3/100).

Capital & Safety

Tier 1 Capital Ratio
7.36%(8%)
Total Capital Ratio
12.81%(10%)
Non-Performing Loan Ratio
1.17%

Profitability

Return on Assets (ROA)
0.77%(1%)
Return on Equity (ROE)
13.42%(10%)
Net Interest Margin
3.04%
Efficiency Ratio
74.97%(60%)

Lending & Liquidity

Total Loans
$1.2B
Loan-to-Deposit Ratio
96.29%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+5.83%
Deposit Growth (YoY)
+3.96%
Net Income
$11.9M

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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