Union Bank (FDIC #9420): Bank Stress & Real-Estate Credit Exposure

Union Bank (FDIC Cert #9420): bank stress 64/100, elevated, STABLE over 7 days; parent UNION HOLDING CO.

Union Bank (#9420) lends in 4 counties across 1 state; Union Bank (#9420) reaches 44 ZIP codes: North Dakota 4 counties, 44 ZIPs.

Union Bank (#9420) largest markets: Mclean County, ND (18 branches, 18 ZIPs) (#9420), Dunn County, ND (13 branches, 13 ZIPs) (#9420), Mercer County, ND (30 branches, 10 ZIPs) (#9420), Morton County, ND (8 branches, 8 ZIPs) (#9420).

Union Bank (#9420) reports $312.2 million in total assets; Union Bank (#9420) equity $30.2 million (9.7% of Union Bank (#9420) assets); Union Bank (#9420) domestic deposits $266.2 million; Union Bank (#9420) net income $2.3 million; Union Bank (#9420) return on assets 1.41%; Union Bank (#9420) return on equity 15.47%; Union Bank (#9420) net interest income $6.5 million; Union Bank (#9420) call report June 30, 2026.

Union Bank (#9420) noncurrent real-estate loans: none reported; Union Bank (#9420) net charge-offs on real estate 2.25%; Union Bank (#9420) residential charge-offs 1.10%.

Union Bank (#9420) net interest margin 4.35% against an eight-quarter Union Bank (#9420) average of 4.03% (Union Bank (#9420) compression -0.32 points); Union Bank (#9420) non-residential real estate 110.1% of equity; Union Bank (#9420) rate-exposure score 40/100, Union Bank (#9420) fixed-rate trap 40/100; Union Bank (#9420) risk type credit driven; Union Bank (#9420) rate regime rates elevated, Union Bank (#9420) snapshot October 19, 2026.

Union Bank (#9420) stress score moved from 59 on June 22, 2026 to 63.6 on October 19, 2026; Union Bank (#9420) ranged 59 to 63.6 over 116 snapshots.

Union Bank (#9420) alerts: 4 counties; top Union Bank (#9420) alert scores: Glen Ullin County, ND 23 (low); Halliday County, ND 23 (low); Hazen County, ND 23 (low); Wilton County, ND 23 (low).