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

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 FDICInstitution closed or not insured by FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameN/A

Operational Info

Number of Employees67
Domestic Offices8
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date01/24/2026
Date of Deposit Insurance07/05/1947
Primary Insurance AgencyDIF
WebsiteN/A
Data Updated02/06/2026
CERT16620
Office of The Comptroller District:
Office of Thrift Supervision RegionN/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 Margin3.48%
Efficiency Ratio47.21%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.09%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.389%
Earning Assets to total Assets94.18%

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.