Union Bank (FDIC #14722): Bank Stress & Real-Estate Credit Exposure

Union Bank (FDIC Cert #14722): bank stress 81/100, severe, STABLE over 7 days; parent UNION FINANCIAL CORP.

Union Bank (#14722) lends in 5 counties across 1 state; Union Bank (#14722) reaches 87 ZIP codes: Michigan 5 counties, 87 ZIPs.

Union Bank (#14722) largest markets: Kent County, MI (117 branches, 39 ZIPs) (#14722), Ionia County, MI (21 branches, 21 ZIPs) (#14722), Eaton County, MI (38 branches, 19 ZIPs) (#14722), Clinton County, MI (17 branches, 17 ZIPs) (#14722), Barry County, MI (15 branches, 15 ZIPs) (#14722).

Union Bank (#14722) reports $396.7 million in total assets; Union Bank (#14722) equity $33.4 million (8.4% of Union Bank (#14722) assets); Union Bank (#14722) domestic deposits $313.5 million; Union Bank (#14722) net income $1.5 million; Union Bank (#14722) return on assets 0.75%; Union Bank (#14722) return on equity 9.03%; Union Bank (#14722) net interest income $7.6 million; Union Bank (#14722) call report June 30, 2026.

Union Bank (#14722) noncurrent real-estate loans: none reported; Union Bank (#14722) net charge-offs on real estate 1.32%; Union Bank (#14722) residential charge-offs 2.06%.

Union Bank (#14722) net interest margin 4.33% against an eight-quarter Union Bank (#14722) average of 3.98% (Union Bank (#14722) compression -0.34 points); Union Bank (#14722) non-residential real estate 206.4% of equity; Union Bank (#14722) rate-exposure score 40/100, Union Bank (#14722) fixed-rate trap 40/100; Union Bank (#14722) risk type credit driven; Union Bank (#14722) rate regime rates elevated, Union Bank (#14722) snapshot October 20, 2026.

Union Bank (#14722) stress score moved from 89.6 on June 22, 2026 to 81 on October 20, 2026; Union Bank (#14722) ranged 81 to 89.6 over 117 snapshots.

Union Bank (#14722) alerts: 5 counties; top Union Bank (#14722) alert scores: Grand Rapids County, MI 27 (low); Hastings County, MI 27 (low); Lake Odessa County, MI 27 (low); Mulliken County, MI 27 (low); Westphalia County, MI 27 (low).