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Union Bank
Morrisville, VT · FDIC Certificate #14158 · Chartered 01/0
Total assets
$1.56B
Total deposits
$1.10B
Total equity
$106.08M
Net loans
$1.12B
Branches (offices)
18
Net income (YTD)
$6.41M
Rank: #723 of 4,213 U.S. banks by assets · #2 of 12 in Vermont. Assets changed 5.3% and deposits -0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.80% |
| Return on equity | 12.83% |
| Net interest margin (YTD) | 3.12% |
| Equity to assets | 6.81% |
| Tier 1 leverage ratio | 7.82% |
| Uninsured deposits (share of deposits) | 39.5% |
| Noncurrent loans (share of loans) | 1.35% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 101.4% |
| Real estate loans (share of loans) | 94.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.05B | 94.6% | |
| Commercial & industrial | $30.61M | 2.7% | |
| Consumer / individual | $1.99M | 0.2% | |
| Construction & development | $99.25M | 8.9% | |
| Agricultural | $85.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.19B | $1.11B | $5.84M | $75.60M |
| Jun 2023 | $1.33B | $1.13B | $6.15M | $75.24M |
| Jun 2024 | $1.40B | $1.06B | $4.91M | $80.06M |
| Jun 2025 | $1.48B | $1.11B | $5.32M | $86.52M |
| Jun 2026 | $1.56B | $1.10B | $6.41M | $106.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Vermont | $925.53M | 13 |
| New Hampshire | $174.48M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.10B.
Similar-sized banks
Providence Bank & Trust ($1.56B) · The Citizens Bank Of Philadelphia, Mississippi ($1.56B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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