Union Bank
Morrisville, VT · Cert 14158 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Union Bankshares Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
$1.6BAssets
$1.1BLoans
$1.1BDeposits
$106.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating regionally (rank 10 of 176).
- Widest gap: equity / assets trails 97% of banks $1B-$10B in assets operating regionally (rank 171 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.82%
Rank 146 of 176
Net Interest Margin
2.77%
Rank 164 of 176
Efficiency Ratio
75.99%
Rank 160 of 176
Equity / Assets
6.81%
Rank 171 of 176
Non-interest income vs. expense
Unfavorable gap of $32.6M · efficiency ratio beats 10% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.82% | 0.93% | 1.26% | 1.54% | Beats 17% | 146 / 176 | |
| Return on Equity | 12.08% | 9.26% | 11.89% | 14.46% | Beats 51% | 86 / 176 | |
| Net Interest Margin | 2.77% | 3.25% | 3.59% | 3.93% | Beats 7% | 164 / 176 | |
| Efficiency Ratio | 75.99% | 52.79% | 59.55% | 67.66% | Beats 10% | 160 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.35% | 0.30% | 0.64% | 1.32% | Beats 23% | 136 / 176 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 100% | 10 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 12.81% | 11.15% | 12.72% | 14.15% | Beats 51% | 86 / 176 | |
| Total Risk-Based Capital Ratio | 13.73% | 11.81% | 13.63% | 15.33% | Beats 53% | 83 / 176 | |
| Equity / Assets | 6.81% | 9.16% | 10.35% | 11.80% | Beats 3% | 171 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 102.18% | 80.94% | 89.73% | 97.21% | 89th pctl | 20 / 176 | |
| Loans / Assets | 72.14% | 69.25% | 75.12% | 80.82% | 36th pctl | 113 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |