Union Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Union Bank (FDIC Cert #14158) at 85/100 for bank stress — a severe level of financial pressure. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

DLRadar maps Union Bank into 8 counties (175 ZIP codes) across 2 states — a compact, regionally concentrated lending base. The deepest footprints are Vermont (5 counties), New Hampshire (3 counties). Over the trailing week its stress reading is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Union Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. At the county level, Union Bank finances markets like Grafton County, NH, Carroll County, NH, Washington County, VT, Caledonia County, VT — the specific places where its credit posture translates into local lending capacity. A severe score on a footprint this size means the markets Union Bank touches inherit a corresponding share of that lending pressure. Because Union Bank is publicly traded (UNB) under Union Bankshares Inc, its financials are open to scrutiny and its trend can be independently checked. The Union Bank score updates as fresh FDIC call reports post each quarter, so its 85/100 reading and 8-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Union Bank is directly comparable to any lender in the country. DLRadar does not model Union Bank in isolation: the 175-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 8 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress.

For buyers, lender stress is an early map of supply: when Union Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. The result is an early, auditable read on supply, every figure anchored to public data.