Union Bank (FDIC #14158): Bank Stress & Real-Estate Credit Exposure

Union Bank (FDIC Cert #14158): bank stress 85/100, severe, STABLE over 7 days; parent UNION BANKSHARES INC (UNB).

Union Bank (#14158) lends in 8 counties across 2 states; Union Bank (#14158) reaches 175 ZIP codes: Vermont 5 counties, 92 ZIPs; New Hampshire 3 counties, 83 ZIPs.

Union Bank (#14158) largest markets: Grafton County, NH (111 branches, 37 ZIPs) (#14158), Carroll County, NH (31 branches, 31 ZIPs) (#14158), Washington County, VT (28 branches, 28 ZIPs) (#14158), Caledonia County, VT (66 branches, 22 ZIPs) (#14158), Chittenden County, VT (63 branches, 21 ZIPs) (#14158), Franklin County, VT (36 branches, 18 ZIPs) (#14158).

Union Bank (#14158) reports $1.56 billion in total assets; Union Bank (#14158) equity $106.1 million (6.8% of Union Bank (#14158) assets); Union Bank (#14158) domestic deposits $1.10 billion; Union Bank (#14158) net income $6.4 million; Union Bank (#14158) return on assets 0.80%; Union Bank (#14158) return on equity 12.83%; Union Bank (#14158) net interest income $23.2 million; Union Bank (#14158) call report June 30, 2026.

Union Bank (#14158) noncurrent real-estate loans: none reported; Union Bank (#14158) net charge-offs on real estate 1.44%; Union Bank (#14158) multifamily charge-offs 0.23%; Union Bank (#14158) residential charge-offs 3.88%.

Union Bank (#14158) net interest margin 3.12% against an eight-quarter Union Bank (#14158) average of 2.98% (Union Bank (#14158) compression -0.14 points); Union Bank (#14158) non-residential real estate 388.4% of equity; Union Bank (#14158) rate-exposure score 40/100, Union Bank (#14158) fixed-rate trap 40/100; Union Bank (#14158) risk type credit driven; Union Bank (#14158) rate regime rates elevated; Union Bank (#14158) shares 10.9% below the 52-week high, Union Bank (#14158) equity trend weakening, Union Bank (#14158) snapshot October 19, 2026.

Union Bank (#14158) stress score moved from 84.3 on June 22, 2026 to 85.2 on October 19, 2026; Union Bank (#14158) ranged 84.3 to 85.2 over 116 snapshots.

Union Bank (#14158) alerts: 8 counties; top Union Bank (#14158) alert scores: Barre County, VT 29 (low); Groveton County, VT 29 (low); Littleton County, VT 29 (low); North Conway County, VT 29 (low); Saint Albans County, VT 29 (low).