Headquartered in Beulah, North Dakota, The Union Bank is a state-chartered bank with $312.2M in total assets and $266.2M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1899.
The Union Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 44th. Problem-loan coverage contributes the most (83/100, 8.4%); capital cushion contributes the least (51/100, 10.12%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 12 points (52 → 64), mostly because the loan quality component improved by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 46 |
| Q3 2024 | 47 |
| Q4 2024 | 47 |
| Q1 2025 | 44 |
| Q2 2025 | 52 |
| Q3 2025 | 47 |
| Q4 2025 | 56 |
| Q1 2026 | 66 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.74% |
| Q3 2024 | 9.76% |
| Q4 2024 | 9.42% |
| Q1 2025 | 9.34% |
| Q2 2025 | 9.52% |
| Q3 2025 | 9.18% |
| Q4 2025 | 9.43% |
| Q1 2026 | 9.58% |
| Q2 2026 | 10.12% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.61% |
| Q3 2024 | 2.59% |
| Q4 2024 | 2.44% |
| Q1 2025 | 2.83% |
| Q2 2025 | 2.24% |
| Q3 2025 | 2.67% |
| Q4 2025 | 1.74% |
| Q1 2026 | 1.38% |
| Q2 2026 | 1.38% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 0.72% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.79% |
| Q2 2025 | 0.98% |
| Q3 2025 | 0.98% |
| Q4 2025 | 1.03% |
| Q1 2026 | 1.73% |
| Q2 2026 | 1.41% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $312.2M | 10.12% | 1.38% | 1.41% | 72.5% |
| Q1 2026 | 66 | $325.4M | 9.58% | 1.38% | 1.73% | 66.0% |
| Q4 2025 | 56 | $327.2M | 9.43% | 1.74% | 1.03% | 72.8% |
| Q3 2025 | 47 | $314.6M | 9.18% | 2.67% | 0.98% | 68.0% |
| Q2 2025 | 52 | $309.7M | 9.52% | 2.24% | 0.98% | 68.4% |
| Q1 2025 | 44 | $305.2M | 9.34% | 2.83% | 0.79% | 66.3% |
| Q4 2024 | 47 | $293.0M | 9.42% | 2.44% | 0.75% | 71.7% |
| Q3 2024 | 47 | $293.4M | 9.76% | 2.59% | 0.72% | 72.2% |
| Q2 2024 | 46 | $289.6M | 9.74% | 2.61% | 0.73% | 75.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security First Bank of North DakotaBank New Salem, ND | 87 out of 100, Very strong | $293.2M | 13.0% | 0.00% | vs |
| Stock Growers BankBank Forman, ND | 86 out of 100, Very strong | $332.9M | 11.6% | 0.05% | vs |
| TruCommunity BankBank Garrison, ND | 58 out of 100, Moderate | $338.2M | 11.1% | 2.18% | vs |
| Kirkwood Bank & Trust Co.Bank Bismarck, ND | 80 out of 100, Strong | $351.3M | 9.9% | 0.00% | vs |
| Union State Bank of HazenBank Hazen, ND | 65 out of 100, Moderate | $257.4M | 9.0% | 0.88% | vs |
| Merchants BankBank Rugby, ND | 65 out of 100, Moderate | $254.3M | 10.6% | 1.25% | vs |
Deposit insurance
Is my money safe at The Union Bank?
Yes. The Union Bank is an FDIC-insured institution (FDIC certificate #9420). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.3% of deposits ($56.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
6 locations
Branches
The Union Bank lists 6 offices in 5 cities. Most locations:
- Beulah, ND (2)
- Glen Ullin, ND (1)
- Halliday, ND (1)
- Hazen, ND (1)
- Wilton, ND (1)
Identity & history
Profile
- Legal name
- The Union Bank
- Former names
- The Union Bank of Dunn Center
- Type
- State-chartered bank
- FDIC certificate #
- 9420
- RSSD ID
- 852254
- Primary regulator
- FDIC
- Holding company
- Union Holding Co
- Established
- January 1, 1899
- Headquarters
- 1700 Highway 49 N, Beulah, ND 58523
- Website
- www.theunionbank.com
- Employees
- 53
Quick answers
The Union Bank: common questions
Is The Union Bank FDIC insured?
Yes. The Union Bank is an FDIC-insured institution (FDIC certificate #9420). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Union Bank's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Union Bank ever failed?
There is no failure record for FDIC certificate #9420 in the FDIC failed bank list.
How many branches does The Union Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Beulah
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Capital Credit UnionCredit union Bismarck, ND | 66 out of 100, Moderate | $921.5M | 13.1% | 1.80% | vs |
| Union State Bank of HazenBank Hazen, ND | 65 out of 100, Moderate | $257.4M | 9.0% | 0.88% | vs |
| First Security Bank - WestBank Beulah, ND | 55 out of 100, Moderate | $75.2M | 12.9% | 4.65% | vs |