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.

From Q2 2025 to Q2 2026, the score rose 3 points (64 → 67), mostly because the loan quality component improved by 6 points.

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 Pennsylvania

Yes. UNB Bank is an FDIC-insured institution (FDIC certificate #7631). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.8% of deposits ($15.4M) 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 9.33%, 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%).

Check how much of your own balance is covered

UNB Bank lists 2 offices in 2 cities. Most locations:

• Catawissa, PA (1)
• Mount Carmel, PA (1)

All branch addresses and map

In 2025, UNB Bank reported 66 home-loan applications under HMDA (LEI 549300ZNYJDVRF2ZLJ91): 55 originated ($9,255,000 total), 6 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

UNB Bank

Former names

The Union National Bank of Mount Carmel

Type

State-chartered bank

FDIC certificate #

7631

RSSD ID

249416

Primary regulator

FDIC

Holding company

Unb Corp

Established

January 1, 1906

Headquarters

1 N Oak St, Mount Carmel, PA 17851

Website

www.unb.bank

Employees

29