Union Bank, Inc.
Middlebourne, WV
IDRSSD: 667029
Total Assets
$415.05M
Latest filing
Total Deposits
$376.75M
Latest filing
Net Interest Margin
3.48%
Profitability
Key People
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Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/05/1947 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 26149 |
| State and County Number | 54095 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 67 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/24/2026 |
| Date of Deposit Insurance | 07/05/1947 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 02/06/2026 |
| CERT | 16620 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $415.05M |
| Total Deposits | $376.75M |
| Total Liabilities | $380.23M |
| Total Equity Capital | $34.82M |
| Net Income | $1.98M |
| Net Loans and Leases | $170.98M |
| Assets Per Employee ($Millions) | $6.8M |
| Bank Premises and Fixed Assets | $2.86M |
| Cash and Balances due from Depository Institutions | $51.24M |
| Deposits Held in Domestic Offices | $376.75M |
Key Performance Ratios
| Return on Assets (ROA) | 1.88% |
| Return on Equity (ROE) | 21.94% |
| Net Interest Margin | 3.48% |
| Efficiency Ratio | 47.21% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.389% |
| Earning Assets to total Assets | 94.18% |
Income and Expense
| Total Interest Income | $4.72M |
| Total Noninterest Income | $468.00k |
| Total Interest Expense | $1.26M |
| Total Noninterest Expense | $1.86M |
| Net Interest Income | $3.46M |
| Pre-tax Net Operating Income | $1.98M |
| Provision for Credit Losses | $97.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.48M |
| All Other Liabilities | $2.00M |
| Total Liabilities and Capital | $415.05M |
Securities
| Securities | $173.04M |
| Available-for-sale debt securities | $173.04M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Union Bank, Inc.?
$415.05M as of the latest filing.
How much are Union Bank, Inc.'s total deposits?
$376.75M in total deposits.
Where is Union Bank, Inc. located?
Middlebourne, WV.
What is the Net Interest Margin?
3.48%.
How many domestic offices does it operate?
8.
When was it established?
07/05/1947.
What is the Return on Assets (ROA)?
1.88%.
How much are total loans and leases?
$170.98M (latest filing).
What is the total interest income (latest filing)?
$4.72M.