Union Bank, Inc.
Middlebourne, WV · Cert 16620 · Peer group: banks under $1B in assets (n=495-541)
FDIC · 8 branches
Q4 2025
$415.1MAssets
$172.5MLoans
$376.7MDeposits
$34.8MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 289 of 506).
- Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets (rank 534 of 541).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.46%
Rank 118 of 541
Net Interest Margin
3.19%
Rank 330 of 541
Efficiency Ratio
48.27%
Rank 38 of 540
Equity / Assets
8.39%
Rank 447 of 541
Non-interest income vs. expense
Unfavorable gap of $5.5M · efficiency ratio beats 93% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.46% | 0.56% | 0.97% | 1.38% | Beats 78% | 118 / 541 | n/a | |
| Return on Equity | 17.37% | 5.68% | 9.28% | 12.43% | Beats 92% | 41 / 541 | n/a | |
| Net Interest Margin | 3.19% | 2.87% | 3.39% | 3.85% | Beats 39% | 330 / 541 | n/a | |
| Efficiency Ratio | 48.27% | 58.91% | 68.65% | 80.35% | Beats 93% | 38 / 540 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.70% | 0.07% | 0.34% | 1.07% | Beats 15% | 423 / 495 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.03% | 10.99% | 13.81% | 17.99% | Beats 1% | 533 / 541 | n/a | |
| Total Risk-Based Capital Ratio | 9.03% | 11.43% | 14.30% | 18.80% | Beats 1% | 534 / 541 | n/a | |
| Equity / Assets | 8.39% | 8.87% | 10.43% | 13.26% | Beats 17% | 447 / 541 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 45.79% | 65.07% | 79.29% | 92.66% | 7th pctl | 461 / 495 | n/a | |
| Loans / Assets | 41.56% | 55.91% | 67.98% | 77.76% | 9th pctl | 452 / 495 | n/a | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 3.32% | Beats 100% | 289 / 506 | n/a | |