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Union Bank, Inc.

Middlebourne, WV
IDRSSD: 667029
Total Assets
$427.27M
Latest filing
Total Deposits
$387.54M
Latest filing
Net Interest Margin
3.47%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date07/05/1947
Community BankYes
Ownership TypeNot Mutual
ZIP26149
State and County Number54095
Subchapter S CorporationsYes
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number04
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameN/A

Operational Info

Number of Employees72
Domestic Offices8
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date01/02/2024
Date of Deposit Insurance07/05/1947
Primary Insurance AgencyDIF
Websitehometownbanc.com
Data Updated11/14/2025
CERT16620
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$427.27M
Total Deposits$387.54M
Total Liabilities$389.98M
Total Equity Capital$37.30M
Net Income$1.99M
Net Loans and Leases$175.70M
Assets Per Employee ($Millions)$6.38M
Bank Premises and Fixed Assets$2.91M
Cash and Balances due from Depository Institutions$48.26M
Deposits Held in Domestic Offices$387.54M

Key Performance Ratios

Return on Assets (ROA)1.91%
Return on Equity (ROE)22.27%
Net Interest Margin3.47%
Efficiency Ratio47.98%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.06%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.729%
Earning Assets to total Assets94.78%

Income and Expense

Total Interest Income$4.55M
Total Noninterest Income$545.00k
Total Interest Expense$1.15M
Total Noninterest Expense$1.89M
Net Interest Income$3.40M
Pre-tax Net Operating Income$1.99M
Provision for Credit Losses$67.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$1.37M
All Other Liabilities$1.07M
Total Liabilities and Capital$427.27M

Securities

Securities$184.23M
Available-for-sale debt securities$184.23M
Equity securities with readily determinable fair values not held for trading$0
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.?
$427.27M as of the latest filing.
How much are Union Bank, Inc.'s total deposits?
$387.54M in total deposits.
Where is Union Bank, Inc. located?
Middlebourne, WV.
What is the Net Interest Margin?
3.47%.
How many domestic offices does it operate?
8.
When was it established?
07/05/1947.
What is the Return on Assets (ROA)?
1.91%.
How much are total loans and leases?
$175.70M (latest filing).
What is the total interest income (latest filing)?
$4.55M.