Union Bank
Morrisville, VT
IDRSSD: 333203
Total Assets
$1.62B
Latest filing
Total Deposits
$1.22B
Latest filing
Net Interest Margin
3.03%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Union Bank
20 Main St
Morrisville, VT 05661
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1891FDIC Certificate 8840
Branches (20)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Union Bank (Main) | 20 Main St | Morrisville, VT |
| LITTLETON BRANCH | 76 Main St | Littleton, NH |
| JEFFERSONVILLE BRANCH | 5062 Vt Route 15 | Jeffersonville, VT |
| STOWE BRANCH | 47 Park St | Stowe, VT |
| NORTHGATE PLAZA BRANCH | 65 Northgate Ave | Morrisville, VT |
| HARDWICK BRANCH | 103 Vermont 15 West | Hardwick, VT |
| PORTLAND STREET BRANCH | 325 Portland St | Saint Johnsbury, VT |
| LYNDONVILLE BRANCH | 183 Depot St | Lyndonville, VT |
Showing 7 of 20
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 | 01/01/1891 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 05661 |
| State and County Number | 50015 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 201 |
| Domestic Offices | 21 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 03/31/1934 |
| Primary Insurance Agency | DIF |
| Website | www.ublocal.com |
| Data Updated | 01/30/2026 |
| CERT | 14158 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.62B |
| Total Deposits | $1.22B |
| Total Liabilities | $1.52B |
| Total Equity Capital | $97.02M |
| Net Income | $2.96M |
| Net Loans and Leases | $1.17B |
| Assets Per Employee ($Millions) | $8.29M |
| Bank Premises and Fixed Assets | $22.04M |
| Cash and Balances due from Depository Institutions | $21.16M |
| Deposits Held in Domestic Offices | $1.22B |
Key Performance Ratios
| Return on Assets (ROA) | 0.74% |
| Return on Equity (ROE) | 12.46% |
| Net Interest Margin | 3.03% |
| Efficiency Ratio | 76.92% |
| Tier 1 Risk-Based Capital Ratio | 11.874% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.001% |
| Earning Assets to total Assets | 93.49% |
Income and Expense
| Total Interest Income | $19.57M |
| Total Noninterest Income | $2.89M |
| Total Interest Expense | $8.28M |
| Total Noninterest Expense | $10.90M |
| Net Interest Income | $11.29M |
| Pre-tax Net Operating Income | $3.27M |
| Provision for Credit Losses | $5.00k |
| 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 | $286.48M |
| Federal Funds Sold & Reverse Repurchase Agreement | $118.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $15.32M |
| Total Liabilities and Capital | $1.62B |
Securities
| Securities | $328.13M |
| Available-for-sale debt securities | $326.25M |
| 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?
$1.62B as of the latest filing.
How much are Union Bank's total deposits?
$1.22B in total deposits.
Where is Union Bank located?
Morrisville, VT.
What is the Net Interest Margin?
3.03%.
How many domestic offices does it operate?
21.
When was it established?
01/01/1891.
What is the Return on Assets (ROA)?
0.74%.
How much are total loans and leases?
$1.17B (latest filing).
What is the total interest income (latest filing)?
$19.57M.