TellerScore

Union Bank is a state-chartered bank headquartered in Morrisville, Vermont, in business for about 135 years. At the end of Q2 2026 it reported $1.6B in total assets and $1.1B in deposits, with 21 offices across 2 states.

Union Bank has a TellerScore of 45 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 897 banks with $1 billion – $10 billion. Among 12 banks headquartered in Vermont, it ranks 12th. Problem-loan coverage contributes the most (73/100, 13.3%); capital cushion contributes the least (28/100, 7.82%).

TellerScore · Q2 2026

Scorecard

Capital cushion28/100
Tier 1 leverage ratio: 7.82%
Loan quality55/100
Noncurrent loans ÷ total loans: 1.35%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity32/100
Loans ÷ deposits and uninsured-deposit share: 101.4% · 39.5% uninsured
Problem-loan coverage73/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.26%

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 3 points (42 → 45), mostly because the capital cushion component improved by 5 points.

TellerScore
425057Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202456
Q4 202455
Q1 202543
Q2 202542
Q3 202546
Q4 202546
Q1 202647
Q2 202645
Tier 1 leverage ratio
5.00%6.41%7.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.65%
Q3 20247.44%
Q4 20247.31%
Q1 20257.31%
Q2 20257.30%
Q3 20257.49%
Q4 20257.36%
Q1 20267.39%
Q2 20267.82%
Noncurrent loans
0.16%0.77%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.19%
Q3 20240.17%
Q4 20240.16%
Q1 20251.28%
Q2 20251.37%
Q3 20251.14%
Q4 20251.17%
Q1 20261.13%
Q2 20261.35%
Return on assets
0.59%0.70%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.59%
Q4 20240.66%
Q1 20250.71%
Q2 20250.70%
Q3 20250.78%
Q4 20250.77%
Q1 20260.80%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202645$1.6B7.82%1.35%0.80%101.4%
Q1 202647$1.6B7.39%1.13%0.80%97.6%
Q4 202546$1.6B7.36%1.17%0.77%96.3%
Q3 202546$1.6B7.49%1.14%0.78%98.2%
Q2 202542$1.5B7.30%1.37%0.70%99.8%
Q1 202543$1.5B7.31%1.28%0.71%97.8%
Q4 202455$1.5B7.31%0.16%0.66%98.6%
Q3 202456$1.5B7.44%0.17%0.59%95.2%
Q2 202457$1.4B7.65%0.19%0.69%95.3%

897 peers · $1 billion – $10 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).

Capital ratio7.82%
3rd
Total risk-based capital13.73%
51st
Problem loans1.35%
19th
Net charge-offs-0.00%
88th
Return on assets0.80%
19th
Net interest margin3.12%
20th
Efficiency ratio76.0%
11th
Loans to deposits101.4%
12th
Uninsured deposits39.5%
28th
Loan-loss reserves0.75%
12th
Texas ratio13.3%
9th

Similar-size banks in Vermont

InstitutionScoreAssetsCapitalProblem loansCompare
Northfield Savings BankBank Northfield, VT68 out of 100, Moderate$1.6B11.0%0.52%vs
Community National BankBank Derby, VT68 out of 100, Moderate$1.2B10.6%0.86%vs
Ledyard National BankBank Norwich, VT63 out of 100, Moderate$1.1B8.3%0.31%vs

Deposit insurance

Is my money safe at Union Bank?

Yes. Union Bank is an FDIC-insured institution (FDIC certificate #14158). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 39.5% of deposits ($434.3M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 7.82%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.73% (benchmark: 10%).

Check how much of your own balance is covered

21 locations

Branches

Union Bank lists 18 offices in 16 cities across 2 states. Most locations:

  • Littleton, NH (2)
  • Morrisville, VT (2)
  • Berlin, VT (1)
  • Fairfax, VT (1)
  • Groveton, NH (1)
  • Hardwick, VT (1)
  • Jeffersonville, VT (1)
  • Jericho, VT (1)
  • Lincoln, NH (1)
  • Lyndonville, VT (1)
  • North Conway, NH (1)
  • Saint Albans, VT (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Union Bank reported 841 home-loan applications under HMDA (LEI 549300I3PFIO81O8JD40): 700 originated ($210,340,000 total), 37 denied, and 101 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.0%, 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.

Identity & history

Profile

Legal name
Union Bank
Former names
The Union Savings Bank and Trust Company of Morrisville, VT.; The Union Savings Bank and Trust Company; The Union Bank; Union Savings Bank and Trust Company of Morrisville, Vermont
Type
State-chartered bank
FDIC certificate #
14158
RSSD ID
333203
Primary regulator
FDIC
Holding company
Union Bankshares Inc
Established
January 1, 1891
Headquarters
20 Main St, Morrisville, VT 05661
Employees
190

Quick answers

Union Bank: common questions

Is Union Bank FDIC insured?

Yes. Union Bank is an FDIC-insured institution (FDIC certificate #14158). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Union Bank's TellerScore?

45 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Union Bank ever failed?

There is no failure record for FDIC certificate #14158 in the FDIC failed bank list.

How many branches does Union Bank have?

21 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Morrisville

InstitutionScoreAssetsCapitalProblem loansCompare
Community National BankBank Derby, VT68 out of 100, Moderate$1.2B10.6%0.86%vs
Northfield Savings BankBank Northfield, VT68 out of 100, Moderate$1.6B11.0%0.52%vs
TD Bank, National AssociationBank Wilmington, DE63 out of 100, Moderate$342.8B10.3%1.11%vs
Community Bank, National AssociationBank Canton, NY62 out of 100, Moderate$17.4B7.9%0.50%vs
North Country Federal Credit UnionCredit union Burlington, VT59 out of 100, Moderate$1.1B9.7%1.09%vs
Manufacturers and Traders Trust CompanyBank Buffalo, NY57 out of 100, Moderate$218.8B9.5%1.35%vs