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The Union Bank
Beulah, ND · FDIC Certificate #9420 · Chartered 01/0
Total assets
$312.17M
Total deposits
$266.17M
Total equity
$30.18M
Net loans
$193.00M
Branches (offices)
6
Net income (YTD)
$2.26M
Rank: #2,407 of 4,213 U.S. banks by assets · #29 of 60 in North Dakota. Assets changed 0.8% and deposits -3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.41% |
| Return on equity | 15.47% |
| Net interest margin (YTD) | 4.35% |
| Equity to assets | 9.67% |
| Tier 1 leverage ratio | 10.12% |
| Uninsured deposits (share of deposits) | 21.3% |
| Noncurrent loans (share of loans) | 1.38% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 72.5% |
| Real estate loans (share of loans) | 61.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $119.55M | 61.9% | |
| Commercial & industrial | $8.84M | 4.6% | |
| Consumer / individual | $10.99M | 5.7% | |
| Construction & development | $1.69M | 0.9% | |
| Agricultural | $41.01M | 21.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $262.50M | $237.74M | $1.54M | $23.66M |
| Jun 2023 | $249.02M | $222.46M | $1.27M | $25.34M |
| Jun 2024 | $289.59M | $253.02M | $1.04M | $26.26M |
| Jun 2025 | $309.70M | $274.33M | $1.48M | $26.44M |
| Jun 2026 | $312.17M | $266.17M | $2.26M | $30.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $266.17M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $266.17M.
Similar-sized banks
Neighborhood National Bank ($312.19M) · Carthage Savings And Loan, National Association ($312.07M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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