🏦Bank Scorer

UNION BANK

MORRISVILLE, VT · Supervised by FDIC

Est. 1891FDIC #14,158RSSD: FDIC-14158
Part ofUNION BANKSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.80%

Institution Profile

FDIC BankFind

Address

20 Main St, MORRISVILLE, VT

County

Lamoille County

Established

January 1, 1891

Total Assets

$1.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.2B

Net Loans

$1.2B

Net Income

$3M

ROA

0.80%

ROE

13.40%

Risk-Based Capital

12.94%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

18

Branch Deposits

$1.1B

1-Year Change

-1

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

9 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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